BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-14
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however, Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase, although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015, after I was threatened by Green Tree they would be foreclosing on my house due to late payments, I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification, not their terms. I cant get a hold of anyone to help me, nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud, misrepresentation and a violation of the FCRA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Block, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
CashApp offers a rewards system called " boosts '', which offers either an immediate rebate or a percentage of your purchase back in the form of XXXX. 

XXXX of the boosts that CashApp offers is 10 % off a XXXX purchase. On XX/XX/2022, at XXXX Pacific time, I activated this boost. At XXXX Pacific time, I made a purchase at XXXX for {$7.00} XXXX, or {$5.00} XXXX ( I am currently on vacation in XXXX XXXX. After a few days, on XX/XX/XXXX, I noticed that I had not gotten the promised 10 % back. I reached out to CashApp support, and after some back and forth to make sure that the boost was not refused because I was traveling internationally, I was told that they showed that I had not activated it until XXXX Pacific time, and refused to consider the screenshot I had showing it was activated earlier. I asked for the matter to be internally escalated, and a manager also refused to consider the evidence I had, insisting their system showed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
The pandemic had impacted my health and my financial situation. I have been a victim of XXXX showing symptoms and being hospitalized in XX/XX/2020. Due to being negatively impacted by this pandemic, I did not have the capacity to contact my creditors and request a forbiddance before my payment due date. When I finally recovered, I reached out to my creditors about my situation, however, Santander bank had already reported my account ending in XXXX as delinquent with the credit agencies. I have spoken and sent a letter about my situation to Santander Bank as well as XXXX, XXXX, and XXXX  about my situation, however, the dispute has yet to be resolved. As a victim of the pandemic, I have experienced financial and severe health hardship, and was unable to utilize the forbiddance program that Santander offers before my due date, as my health and well-being were the main priority in XX/XX/2020. The creditor, Santander, and all of the credit reporting agencies must remove the delinquency on my credit report promptly.

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 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
For the last 9 months or so, Bank of America has limited my online banking profile, causing me to not be able to make online payments properly. Each time a payment is attempted, I receive an error message detailing that the payment can not be accepted due to my account status. The account has never been in bad standing and I do not understand why the creditors online platform does not allow me to make payments in a manner that is convenient and expedient. I have had to call each and every time to make a payment over the phone and often times have been on the phone with service representatives for a period often exceeding 30 minutes in time. 
Bank of American then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.

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 2016-08-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I previously filed a complaint with the cfpb about my mortgage company wells fargo, and am having a hard time logging on to dispute it so I am filing a new one. They are stating that they did not know there was a stay on my property, they have the paper from the judge dated XXXX/XXXX/XXXX stating there was a stay untilo modification completed.They also stated that my home was not illegally sold, against the judges order, on XXXX/XXXX/XXXX, when in fact it was put up for sale that day and did note sell. The bank then took it back, once the sheriff department caught what happened, it took about 2 weeks for the deed to be put back in my name. Believing that they owned the home once again, they immediately filed an eviction motion with the court. Again they are stating this all did not happen when I have proof that it did. They did then move forward in an attempt to sell the home on XXXX/XXXX/XXXX because they believed that they held the deed on the property. It was stopped becasue I filed a motion to compel/force the order, the judge ruled on in XXXX. I now have the opportunity to go before the judge to tell what they have done.The judge informed the attorney for wells fargo that they had the right to appeal her decision. They did not and instead refused to follow her order, waited a few months and then tried to foreclose on the property. They are well aware that there was a stay issued on my property. That is why they were unable to foreclose on the property in XXXX. Also at this point I have been receiving calls and letters from wells fargo, each time with a new person who is supposedly my point of contact. I do not have a single point of contact. On XXXX XXXX, XXXX I received a letter from XXXX XXXX who informed me that she is now my Home Preservation Specialist. They are claiming that she was my point of contact from XXXX XXXX and that it is documented several times that she attempted to reach out to us and we never responded. I have never not answered or returned a call from wells fargo, in hope that maybe the call would contain good news for a change. This woman was never my point of contact. My contact was a mister XXXX XXXX, a horrible rude human being. I am attaching all papers to this complaint so that I can show that there response to my first complaint is an out and out lie.

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 2022-07-22
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Other

Complaint:
My Barclays credit card has twice misreported activity on my credit card. Once in XXXX XXXX and XXXX XXXX. Talking w/ someone on their customer service line is a waste of time. They do n't understand what you are complaining about and make unrelated suggestions to resolve your problem. Talking w/ them gets you nowhere. I have not made purchases that caused me to exceed my credit limit. When the company has added my monthly interest to my balance ( which I would not know ahead of time the amount will be ) and it causes the balance to then exceed my credit limit they turn around and report that I went over my limit. No other credit card uses this unfair practice. How would a consumer know ahead of time at what point to not exceed. If that were the case they should say if you have a {$3500.00} credit limit ... .never spend over {$3400.00}. It 's ridiculous. I am filing a formal complaint over this unfair practice with the FTC, the CFPB and w/b filing a dispute on my credit reports. I canceled my account today but I want this fixed.

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 2015-09-24
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased our home from XXXX Mortgage Company around 1996. We have lived here ever since. My husband is retired on XXXX social security, and I am on social security too. We are XXXX in our XXXX. Our major source of income was lost almost three years ago. We have struggled to meet our financial obligations since then. We modified our loan with XXXX two to three years ago and after that, they sold us to Green Tree LLC. I started a low paying XXXX {$9.00} per hour XXXX XXXX job to try to stay afloat. With my husbands medical needs, car payment, and a second mortgage payment ( which we re-negotiated to a low monthly amount ), and living expenses, we kept falling behind. Green Tree LLC initially sounded sympathetic and sent us credit counseling and modification information-which we had already completed, but slowly began to contact us by phone over and over, demanding payment and asking if we had jewelry to sell, and asking why we were so " lazy '' not to get a better paying job, along with threats of foreclosure and sheriffs sale. These calls would start early in the morning and last until XXXX in the evening. When I told Green Tree LLC that we had listed our home for sale, and would pay them off when it sold, their response was insistent that we give the name of our Realtor so they could discuss a short sale with our Realtor, of which I refused to give the information. Our home is located on almost XXXX acres in the country, on a small lake. We have a pole barn and shop building, and a nice home/four bedrooms/two baths. As you can see by Exhibit # 1 XXXX Statement of XXXX XXXX XXXX our home has enough value to sell and make nice profit. As I understand it, the tax value placed on a home from XXXX XXXX is typically lower than what the home would sell for on the market. Unfortunately, the offers we got were not what we needed to pay off the existing debt. At this point, Green Tree LLC demanded we take whatever offer we could get, as they knew they would be repaid first. The staff I spoke with kept harassing me about being a dead-beat. I have never in all my life been a dead-beat. The intense mental pressure eventually led me to sell the home for a much lower price than we could have gotten, just to stop the calls and pressure. See Exhibit # 2 ( Purchase Price information ) When our buyer called Green Tree LLC to get the current payoff, the employee we spoke with was unable to tell us the balance due! Then, the employee spoke with our buyer about assuming our mortgage and assured him that he could do so through Green Tree LLC. Our buyer remarked that with his knowledge of Green Tree LLC, he would have no desire to be involved with this Company. He immediately sent the full payment overnight to Green Tree LLC, requesting a confirmation of payment, of which he never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like file a complaint against SPS and XXXX. We have been going back and forth with both banks since XXXX 2016 to gain approval for the short sale of our home. We have a qualified buyer willing to pay full asking price for our home and we have yet to hear back from them. They are requesting multiple forms of the same paperwork, dragging their feet and delaying the process. We have done everything on our end to ensure the home does not go into foreclosure by getting any and all requested paperwork in in a timely manner and will be filing a request for mediation to avoid going to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX XXXX, my mother refinanced her house through Bank of America in XXXX, XXXX. She was XXXX years old. They gave her a 30yr mortgage. After she refinanced, she said XXXX if anything happens to me the house will be paid off. Three months later she passed away. I went to Bank of America with her death certificate and will and gave to XXXX XXXX. She assured me it would be forwarded to the Mortgage Dept, and if there was insurance it would be applied. I never heard from Bank of America. I faxed those documents 4 times and hand delivered them to XXXX 3 times. The property was left to me and they acted like I did n't exist and because of privacy they could n't discuss it with me. I hired XXXX XXXX to represent me. Bank of America on 3 different court dates had no paperwork that my mother signed. On the 4th court date, they had no paperwork but my attorney said you have to go bankrupt to keep the house. I went bankrupt, paying XXXX a month, but eventually the payments went up over XXXX a month and I could n't afford it. Bank of America sold mortgage to XXXX ( supposedly ). I was evicted, and Bank of America sold my house to a man for XXXX. They never gave me a chance. My bankruptcy Case Number is XXXX. It was filed XXXX/XXXX/XXXX. This matter has given my XXXX. I do n't think it 's right that they kept the bankruptcy payments, never acted like property was mine or would work with me even though deed was in my name. This was predatory lending. I spent a lot of money on lawyers and bankruptcy and expected at least bankruptcy payment back.

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 2015-08-19
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother passed away in 2013, leaving her home to my family. I am not the executor of the estate so the company will not allow me to take over the mortgage. I do n't make enough money to pay it and I keep getting the run around. I make enough money to pay a mortgage. The account is in default now and I ca n't seem to get them to help me keep the house. I understand that I have a right to the house and the will gives me claim, but I ca n't get them to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: OPORTUN FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18
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: Information belongs to someone else

Complaint:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
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:
XXXX does not have my loan it was given to another company by XXXX XXXX it 's with XXXX XXXX XXXX. XXXX is still reporting against for XXXX they absolutely refuse to stop reporting to XXXX against me even though I have a settlement with XXXX XXXX XXXX for XXXX. All I want is the right company reporting against me and for the right amount!!!!!!!!!. What I want is very simple and very easy to do. XXXX even mentions in a document that my account was given away to the other XXXX have disputed this multiple times and gotten no where with anyone even though I have the proof of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a notice that my credit card limit had been decreased although Ive been making payments every month that ARE MORE than the minimum payment. 

They claimed it was because I have something on my credit that is delinquent. The issue is I cant see what the account is thats reporting delinquent. Im in the process of trying to figure out what the account is. 

I did not ask for this decrease and its is unfair when I have paid back this card every month. 

Yet when I asked for an increase before this Ive always been denied. 

I also thought that during Covid-19 companies were not altering credit profiles? 

How can I have them restore my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent broke federal laws written in the Fair Debt Collections Practices act. On XX/XX/XXXX I sent the company an Affidavit of Truth containing documents and proof of the laws that were broken. I have not heard back from the company about this matter. I did not give the company permission to have my address nor telephone number which is an invasion of my privacy and its against the law for purchasing my information without my prior knowledge nor consent. In addition, the company stated I owe a debt, which is a violation of 1692 ( b ) ( 2 ). The company contacted me more than once, which is a violation of 1692 ( b ) ( 3 ). I have telephone records to prove this fact. The company contacted me at an unusual time and place that is inconvenient to me, violation of 1692 ( c ) ( 1 ). The company called me while I was at work which communication is prohibited, violation of 1692 ( c ) ( 3 ). The company would not stop harassing me verbally with their use of obscene and profane language, violation 1692 ( d ) ( 2 ). The company repeatedly used different numbers to call my phone to annoy, abuse, and harass me, violation 1692 ( d ) ( 5 ).

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