BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-26
Company: NETWORK CAPITAL FUNDING CORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 2015 I applied for a refinance through Network Capital Funding Corporation. I was given loan details, loan terms and eventually was provided with a loan commitment. ( see attached ). During that process my credit report showed items which were erroneous and I worked with the respective parties to have these items removed which they were. However, rather than requesting credit supplements from the credit bureau, Network Capital proceeded to request hard credit inquiries again and again totaling XXXX inquiries in two months and a half months. ( the Network Capital hard inquiries are highlighted in yellow and attached ). Thease inquiries severally damaged my credit scores causing additional and unnecessary inquiries to remain on my credit report and thus changed my credit profile and lowered my credit score. 

Beside this, I was told my appraisal would cost {$400.00} ( see attached loan details ) and I received disclosures to that effect, however, Network Capital caused my credit card to be charged {$510.00}. ( see XXXX XXXX statement ) The appraisal was completed and there was no mention as to a refund of the difference. of {$110.00} and I was still being disclosed {$400.00} thereafter!!! When I asked my account rep he stated he the charge was only {$400.00} and he did not know why I would be charged more. Furthermore, I was given a closing date with final disclosures and Network Capital failed to submit the package to a mobile notary who contacted me to set up the closing documents. Network Capital stated that they needed an additional document and was " waiting for the president to sign off the paperwork. '' After another week I requested that the file be transferred to another company, which they did. 

When I started this refinance I was able to qualify for a conventional cash-out refinance with no escrows. Now my only option is an FHA loan with escrows and mortgage insurance. This means that I have to pay over additional {$5200.00} + at the time of refinance and approximately {$190.00} per month for a minimum of 11 years!!! This is over {$25000.00} I did not need to pay - all because my score dropped not because of non payment of debt or addition of debt, I actually decreased my monthly liabilities - it is purely a result of the hard inquiries by pulled and populated on my credit report by Network Capital Funding Corporation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Calls all hours of the day from XXXX to XXXX from an unknown phone phone number asking for my bank account info. I asked her to call back on a line that I could connect to an actual company. She told me to call back with m bank info when i tried to explain I could not call back she called claiming to be whoever from a blocked line she told me the calls would increase and they have. Why would I give me card or bank info to someone I dont know. I am one payment behind and already caught it up they say they are calling 10 times a day to remind me. 
Told her last night I just made my payment I have had 8 calls already again today

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I C SYSTEM XXXX XX/XX/XXXX {$650.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$110.00}

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 2016-02-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The reason for my complaint is because I have had an issue with Identity theft. I have filed a police report and sent it to chex-systems and they have corrected the fraudulent information. But I have had a more recent situation in which I have faxed Chex-systems the amended police report and they have not responded to my request. There is a charged off amount reported for account abuse for {$37.00} that is a result of identity theft and there are several inquires showing on my report that are fraudulent as well. The only inquiries that should be showing on my report are with XXXX XXXX and and XXXX XXXX XXXX. I sent chex systems this information in XXXX and they have not responded to my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid our Mortgage payment to Ditech electronically on XXXX XXXX of 2016. They were going through what they call a system upgrade and our payment was never posted. They started calling us that our payment was late and I faxed them a copy of our bank statement that clearly shows the payment. They do not dispute this but they have still failed to credit us the payment and as such every payment we have made since then has been credited to the month before, thus showing us as " unpaid '' for the current month. They have placed negative and inaccurate information on our credit report and continue to call and harass me and my husband. My husband has a XXXX and we can not afford to have any negative information on our credit report. This has affected us socially as we argue over it, it has affected us financially as our credit has been devastated and this has affected me XXXX as I can not sleep and get so upset when they call that my XXXX and I have to lie down. We have done nothing wrong and are being destroyed on many different levels. My time is also worth something and they have wasted several hours of it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an account from Bank of America reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to Bank of America. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Bank of America account on my credit report is reporting inaccurate and incomplete information.

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 2020-04-03
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never agreed to, received or used XXXX XXXX XXXX XXXX XXXX service and/or contract details may not have been fully disclosed by company during cell phone contract initiations. This was disputed years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I am trying to refinance my property in California. I have been approved to subordinate my Citibank line of credit. Citibank prepared the Subordination Agreement and requires me and my wife to sign it. My wife is deceased. Citibank refuses to change my wife 's status to deceased. Citibank is making it impossible to refinance by this request, causing me great financial hardship. I sent Citibank her Death Certificate. They still refuse to change her status

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 2021-09-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in forbearance due to COVID and have been in a workout plan with current servicer to resolve past due fees owed. A loan modification was presented to me which increased the monthly payment instead of making the mortgage more affordable so I had declined the modification agreement. Servicer advised a valuation needs to be ordered to qualify me for a more reasonable modification agreement which is currently in process. While we are waiting for the valuation, the Servicer reported me as being 60 day late to the credit bureaus. Aren't the Servicers suppose to help consumers develop a reasonable workout plan and not further damage them with incorrect reporting to the credit bureaus? Please help clarify the current laws regarding reporting requirements for consumers attempting to exit forbearance as a result of COVID

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to edd as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this ups store told me I had mail and in order to get it i had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me onXX/XX/XXXX that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.

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 2022-04-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Shortly after installing the CreditKarma XXXX, I received a welcome email, which I may/may not have clicked on. Since, and in attempts to find cheaper auto insurance via their " offers '', I did choose to go with XXXX XXXX XXXX. No problems with that, as of yet. ( I DO have MAJOR problems with XXXX though ). Recently, I also received both email and XXXX notifications about their XXXX  XXXX, which seemed like a good idea to rectify legitimate outstanding claims using a pre loaded card. 
Then, the problems started while applying, with the XXXX, that it repeatedly cited my phone number was recognized and validated upon registration ... .. but the device was not. It prompted for the phone number to text a code to ( which sounded odd, having said the number was validated ). Time after time a text never came. Using the web based " chat '', that initiated a call to my phone. The person was female, loud room, sounded XXXX, which also yielded zero results so I asked for her supervisor. She cited the problem was with my phone and to check with my provider. Eventually, after pressing why a simple task was an issue, she said they used another 3rd party which " handles the phone numbers ''. She said a supervisor was not present, and one would be calling in 24 hours. 
Since, I have received multiple phishing emails and phone calls. 
Phone call from : XXXX and XXXX Emails from XXXX XXXX and XXXX The same day, I applied for XXXX 's Card. Exact same problem again with the phone number from both the XXXX and website. Exact same sequence of events and likeliness. I have been with XXXX for 17 years. I still use a XXXX key fob that is impossible to duplicate from their XXXX XXXX days. 
Phone calls from : XXXX XXXX This also seems to happen a lot on both XXXX and XXXX if a low/negative review is posted .... or if no review at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America is threatening illegal collection practices based on them trying to charge illegal fees to my account. They are sending statements that are incorrect, and arguing with me over XXXX. I demand that they remove any late fees and refund my account in full.

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 2021-09-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( ARS and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).

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 2021-09-26
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:
Need these hard inquires to get remove from my credit I didnt give any authorization for not want to run my credit for any inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These people keep calling and harassing me at all hours of the day and night. Very rude and unprofessional. 
I just block them now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Through XXXX ( Now Navient ), I was not thoroughly and frequently informed about upcoming deadlines when it came to re-determining my Income-Driven Repayment ( RDI ) applications between the XX/XX/XXXX-XX/XX/XXXX. This lack of information caused me to make several calls to ensure that my interest rates would not skyrocket, which I believe have a bit since graduating XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received notices that my credit report had changed. At first I thought someone had used my information to open an account for themselves. It appears now that Paypal had opened an account in my name without any notice whatsoever. 

Yesterday I disputed the account with all three Credit Bureaus. Today, I received from Paypal a welcome letter thanking me for opening an account. I called Paypal ( calling is the only available contact method apparently ) but the wait time is, at this point in the national crisis, indeterminate. 

I've attached a screenshot from XXXX XXXX site showing details of this account. Also attached is a photo of the Paypal welcome letter. 

The Paypal inquiry brought my credit down 4 points. If I close the account, my credit will go down further. Also, I keep my report very clean : few open accounts and no closed accounts except for a loan paid off years ago. An account opened and then closed immediately will raise questions I don't want raised.

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 2016-05-20
Company: Michael Haynes & Associates, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Michael Haynes & Associates continues to call me at work after repeatedly being told that this jeopardizes my employment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: JPMORGAN CHASE & CO.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/21 my card was charged for $ XXXX XXXX  XXXX XXXX.CLAIM ID : XXXX. I submitted a dispute because the company over charged me by {$370.00}. Which I reported and stated no receipt was signed agreeing to that. 

Upon investigation, I was overcharged for a product by a deceptive company who falsified my signature and even though I told chase this happened they still sided with the company! Chase violated my cc rights by not letting me respond and state my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have disputed Wells Fargo Mortgage 's smokescreen response to Case number XXXX. 

In reviewing the detailed statement for the escrow account ( attached ), another problem, a more serious problem is apparent. 

The bank failed to record my escrow payments. 

I have made all my payments, in the amount of XXXX, since XX/XX/2016 when my Chapter XXXX was successfully discharged. Prior to that, I made all payments timely to the Chapter XXXX Trustee which paid the bank. 

The bank 's " Escrow Account History '' ( attached ) shows that ZERO ACTUAL Deposits to my Escrow account were made. 

What did they do with the money? I paid. I have records of all the payments. 
Wells Fargo is playing more tricks on consumers with their " alternative math. '' How can they be allowed to take the money from me and NOT apply it to my account? 

Now, in the related case Case number XXXX, they are trying to claim my Escrow has a " shortage '' -- that will REDUCE my payment. That makes no sense. If there is a " shortage '' my payment should go UP. 

What did the bank do with the money I paid for escrow? There are 6 months showing ZERO. For each of those months, I paid the full amount due -- that includes taxes and insurance escrow. 

That 's {$1800.00} that the bank shows as missing from my account. Where is my money? What did the bank do with my escrow payments?

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