BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/XXXX customer paid with Bank Of America Credit Card for repairs of a semi truck in the amount of {$3500.00}. On XXXX/XXXX/XXXX I was informed by my credit card processing company that there was a dispute in regards to the charge because customer was not satisfied with the service we provided and {$3500.00} was removed from my account. They also informed me the money is in the escrow account an till the issues is resolved. 
We were instructed to provide our statement and any documents proving our case. We provided detailed statement with every single receipt for all of the parts used in this repair. Along with the work authorization form. Shortly after money have been deposited back to my account at which point I expected the issue to be resolved. But today on XXXX/XXXX/XXXX this same amount was again removed from my account and when I called my credit card processing company they told me the Bank OF America ruled in favor of their customer and refunded the money. Bank of America never contacted me or provided me with any documentation regarding how and why this decision was made. We spent almost {$2000.00} on the part for this repair work.

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 2020-08-10
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$18000.00} XXXX  XXXX  XXXX {$220.00} XXXX   XXXX {$280.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX  XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The problem Am having with Experian is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. These accounts have been on my credit report for 7 years and needs to be deleted right now because its violating my consumers rights

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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Money take from my account to satisfy a debt was not credited to my account the year was 2009

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 2017-09-07
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed my REPAYE application in early XX/XX/XXXXand myfedloan has still not processed it. First they told me there was some type of delay and put me on a forbearance or deferment. Then, they asked for a {$5.00} payment in the beginning of XX/XX/XXXXwhich I made and then failed to put me on the reduced payment plan. Rather they put me on the regular payment plan with a payment I could n't afford. I was assured that the reduced payment was coming soon despite my account and statement showing a very large payment. Very close to the due date of the large payment I reapplied for REPAYE and when I called for the status of my application I was told that my original REPAYE application had now been rejected and that I had to restart the whole process. I thus had to apply for a forbearance which I did n't want to do.
I would sue this company but I do n't think there is a private cause of action for what they did being that it seems it is preempted by the CFR regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having a problem with Mortgage Company in regards to miss handling my money every year there is a SHORTAGE ( this year was 1/3 of Escrow {$1000.00} ) they will NOT talk to me. They just send the paper work & it show everything looks good. When I ask why this keeps on happening they will not answer. Last papers sent had a contact number and person, call & left messages but NO reply.Have also filled complaint with cfpb just sent the papers showing thing were ok, but still no answer of why & how. Have also in letter ask to have Escrow returned back to me.They said NO to bad.How do I fill a Dispute with Mortgage & cfpb or find Legal help.I am at a dead end & this Shortage ( of the Large amounts is not being done correctly ) needs to be fixed.As I have done my own Escrow 30-35 yrs. with NO problems.Need to talk to someone that will listen to what I am trying to tell & not just look at the paperwork, look in between the lines & see the on going problem. I also have found that this Mortgage Company has been to Court by the cfpb a few times for many things. With the shortages they just put another loan on top of the main Loan, now there is 2 more along with the main loan.I am filling like I am going to lose my Home. Please can you help or help me find some help.Please call so I can explain in detail better then trying to write.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan was included in my bankruptcy and navient still charged me and told me I couldnt have it discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: IL
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 am contacting you regarding errors and inaccuracies which Equifax is not correcting that my credit report. I am disputing the following items appearing on my credit report along with specific reasons for this dispute and thereby I am asking these to be removed as set by law. 

The accounts in question are the following XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX -The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX   Equifax Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the information is not accurate and by law has to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Opened Wells Fargo Cash Wise Visa Signature Card on XX/XX/2016. A balance transfer of {$13000.00} and a balance transfer fee of {$390.00} were posted to the account on XX/XX/2016. The following payments totaling {$1100.00} were applied to the account : XX/XX/2016 {$390.00}, XX/XX/2016, {$390.00}, XX/XX/2016 {$340.00}. The first statement was issued XX/XX/2016 showing a minimum payment due of {$520.00}, including {$390.00} to cover the balance transfer fee. When contacted Wells Fargo refused to apply prior payments to first minimum payment although they were made prior to the first payment due date. Their only solution was to return the funds which they had previously accepted, but returned funds would not be received from Wells Fargo prior to first payment due date. Wells Fargo has purposefully, and deceptively increased the first payment minimum payment without applying payments made to the account prior to the first payment due date, specifically for the purpose of encouraging default and increasing fees and interest rate.

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 2015-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I filed a dispute with Capital One about a purchase I made at Saks Fifth avenue store. I sent the letter certified mail on XX/XX/XXXX and per Capital One rules they are supposed to sent a letter back within 30 days to acknowledge the receipt of my letter. Capital One failed to do so. At this point since they failed to follow the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX they have to remove the disputed charge of {$770.00} from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I take care of my mother with XXXX Im out the country a lot. During the corona her XXXX home day program closed down. I did not get alerts to the pay the Commenity bill. I asked several times for auto pay. Supervisors did not look into it to help me. I found out months later that they had auto pay which could have avoided the 2 late fees totaling {$75.00}! They refuse to help because they did before in the past for a different situation. Its a pandemic! I will pay the account in full the Promotion minus the late fee but they are threatening to add {$500.00} to my bill saying its not paid in full, I will pay all the Past interest. How can you say that the agreement was paid in full. The late fee is not part of the original agreement. This credit company is strong arming people during Corona. I would like to mail a letter to the CEO XXXX XXXX for these heartless practices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I took out a RE secured NOW Account with Wells Fargo Financial Services after being asked to close XXXX times on the loan because information needed to be changed. In XXXX 2007 I wa forced to file Chapter XXXX which then converted to Chapter XXXX. Years later Wells Fargo reported the discharged RE Secured Card on my credit report as in a late status. Finally got Wells Fargo to remove the reporting with I have been told violated my FCRA rights and I suspect US Bankruptcy Laws. I pay them Principal payments since Chapter XXXX. Can not get statements or other information. Tell me the loan has been charged off and is not in their loan account systems. Recently read about WFFS consent order. Tell me my loan not included. Suspect these BK Loans charged off and tracked off system were never examined

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 2020-08-10
Company: Blackhawk Network Holdings Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
My Thank You Visa gift card expired XX/XX/2019 before I used any of the $ XXXX balance. 
I'm unable to reach an actual person at Myprepaidcenter.com & I'm being charged a monthly fee of {$3.00} leaving me with a balance of {$68.00} & no way to use the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX    XXXX {$18000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX  XXXX {$490.00} XXXX XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}

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 2016-01-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX mortgage with WELLS FARGO. They are trying to steal my home. They are not reporting my full payments. They keep denying me a loan modification the XXXX they tried to give me was not lowering my monthly payments but raising it. They would not consider the XXXX program. 
My mortgage is bundled and sold as a MORTGAGE BACK SECURITY. I worked hard to get my family a home it may not be much to most people, but to me and my family it is our AMERICAN DREAM. I teach my boys if you work had and do good you will be blessed. PLEASE DO N'T LET WELLS FARGO TAKE MY HOME FROM MY FAMILY AND MYSELF. THEY KEEP ASKING ME FOR THE SAME PAPERS OVER AND OVER AGAIN, ONLY TO DENY ME, THIS IS WRONG. PAPERS WERE ROBO SIGNED AND FORGED. Wells Fargo never intended to give me a modification. They are working against me and denying me many of my rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At the end of XX/XX/2020 we received our XXXX statement in which it showed our mortgage payment was increasing by $ XXXX. When we called they stated that it was due to an escrow analysis and the escrow account was short so we needed to pay back into the escrow and also the escrow for the year ( 2020 ). We asked for assistance in an adjustment due to the fact that $ XXXX increase in the middle of a pandemic is a financial strain on our family. They stated that they did not have the homestead exemption on file and we needed to send this to them so that they can make an adjustment that was properly calculated as at the moment they were over calculating our escrow amount. We sent them the trim notice on XX/XX/2020. We received receipt notice from XXXX of our trim notice being received on XX/XX/2020. It has been over 5 months and we have yet to have this resolved. We spoke to an escalation supervisor on XXXX by the name of XXXX XXXX and she stated we needed to start the process again and submit the trim notice again and request the escrow analysis again because they never processed our initial request. This is ridiculous and it is causing strain on our family that is already going through a financial hardship.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
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 filed a dispute with XXXX, Equifax and XXXX in regards to XXXX XXXX XXXX collection account listed on my report. And explained that XXXX XXXX XXXX is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent XXXX XXXX XXXX a letter certified mail return receipt requesting validation under the Texas Financial Code 392.202, Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated XXXX XXXX, XXXX and XXXX XXXX XXXX failed to property follow the law and never contacted me in regards to my request it has been over two years and XXXX XXXX XXXX has yet to validate and verify the debt to me per my request as of XXXX XXXX, XXXX. After giving them ample time to respond I disputed with the credit reporting agencies and let them know of XXXX XXXX XXXX lack of response in regard to the credit line in accordance with Texas and Federal Law. However, once disputed on those grounds XXXX, Equifax and XXXX verified it thus also being in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells fargo home mortgage is claiming I had a mortgage I never had. It was removed off my credit in XXXX from XXXX off my credit. In XXXX it appeared back on my credit from WFH ( wells fargo home mortgage ). Then was removed. in XXXX It appeared on my credit again XXXX. I called the office of the president of wells fargo. They removed it off XXXX in XXXX XXXX. Today I pulled my credit XXXX/XXXX/XXXX and they added it back on XXXX on XXXX XXXX, XXXX. This is illegal. I want this off my XXXX credit. I filed a police report ( XXXX ) on XXXX XXXX, XXXX and an Identity Theft Victims Complaint and affidavit. I spoke today to the office of the president of wells fargo and they admitted it was removed in XXXX. I want them to remove it off XXXX never to put back on again as this was not mine. The original loan on this house was in XXXX. My file has merged with another. help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not have a the opportunity to dispute the following account : MIDLAND FUNDING : XXXX. I was unware of debt. Please provide validation of debt and method of validation.

Company response to consumer: Closed with explanation