BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: GA
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:
victim of id theft and there has been a collection account reporting that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced recovery is reporting the XXXX bill on my credit report. I have had XXXX XXXX XXXX since XX/XX/XXXX. I have not had a XXXX  account. I have disputed numerous times with credit bureaus and they keep updating. I recently tried to contact the Enhanced recovery reaching the collector who was very rude and just outright said you disputed and it is yours. If there was an account opened it would be fraud because I have had att since XX/XX/XXXX or before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I spoke to XXXX XXXX President of Bank of America NY who advised my accounts were not effected by the mortgage issues I was having with his bank but minimum payments being paid on the accounts. I am asking that all of my credit accounts with Bank of America be reviewed by the CFB and the continued opening and closing of the same accounts and the delayed and tiered reporting the credit bureaus to have max effect on hurting my credit scores. I was notified all in one day of the closing and limit lowering, it was spread over 2 to 3 weeks for the credit bureau reporting and XXXX account was reopened and then closed again. I would also like any and all over payments and rewards paid to me. Bank of America has not acted in a fair manner in its handling and I am concerned with the integrity of the reporting and discussions with this bank.

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 2021-10-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was mischarged {$890.00} by Shell Point Mortgage Service company for Lender Placed Hazard Disbursement ( insurance coverage ) even though I have already promptly provided my insurance cover page. 

I received empty promises that the company is going to " remove the charges '' and the insurance department is going to contact me. 

Nothing happened. This company held me ( a loan borrower ) as a hostage. It ignored my consumer right and imposed mischarges over my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient called me at work. Informed the representative not to call me at work and the next day they called to speak to my manager about my debt so he could leave a message for me. He said I would be in later and she stated she wanted to make sure he would leave me a message so she did n't have to call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My wallet was stolen with my debit cards issued by XXXX XXXX ON XX/XX/2017. 
I called XXXX XXXX and after much hassle getting through to a live person, I reported my credit cards stolen. This was approximately at XXXX XXXX. 
The representative told me new cards would be issued but after a week nothing happened, so I contacted them again and the representative DID NOT CANCEL THE CARDS AND REISSUE NEW ONES. 
The thieves used the debit card by using it by purchasing goods using the credit instead of debit ( I 'm guessing ) and they racked up over {$1000.00} of sales, this was all done AFTER I HAD REPORTED THE CARDS STOLEN. 
It is almost impossible to get through to anybody at this banking institution and when I do they either put you in a loop or hang up. 
My last transaction was at Approx XXXX on the day my truck was stolen, XXXX # XXXX reported at approx XXXX XX/XX/2017. 
My last transaction was a cash withdrawal at an ATM AT Loves Truck Stop in XXXX, Ca, at approx XXXX XXXX I contacted this bank after one week of nothing showing up with replacement cards only to find out THEIR EMPLOYEE DID NOT DO HIS JOB, thus allowing the charges to accumulate AFTER THE CARDS WERE REPORTED STOLEN. I am out over {$1000.00} that to this day 3 MONTHS LATER has NOT BEEN REPLACED. 
Terrible customer service with what seems as a do not care attitude, which really rubs me the wrong way being a XXXX XXXX XXXX and this is supposed to be a caring institution for active service personnel and XXXX HELP!! 
XXXX XXXX XXXX Current Acct # XXXX, I do not remember or know the Acct # that was reported stolen but if they have ANY CLUE as how to operate a banking institution CORRECTLY, they will know the acct # that I am referring to. At the time the cards ( and my wallet ) were stolen there were XXXX acccts, XXXX for my SS BENIFITS ( money I earned and paid in for over 40 years along with my employers, I DO NOT CONSIDER THIS Government assistance, as it is MY MONEY, paid by ME, to assist me when I retired, and XXXX XXXX for my XXXX dealing with XXXX XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
U > S > bank mortgage insurance department refuses to drop our mortgage insurance payment even though our original loan statement said it would end in 103 months which would be XX/XX/XXXX ... we have never missed a payment or been late and now have a 20 % loan to value ... .they claim we have to pay it until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America has a practice with their credit cards and balance transfers that is highly deceptive and borders on fraud. 

I transferred a balance from a non-BOA card to a BOA MasterCard. The balance transfer offer from BOA was for 0 % interest through XXXX, 2017, with an up-front 4 % balance transfer fee. However, I just learned that their policy is to apply your entire minimum monthly payments, 100 % of those payments, to the balance with the lowest APR, which will naturally be the transfer balance. This effectively eliminates any value from the transfer, while they charge 4 % for the privilege. A consumer 's entire monthly minimum payments go first to pay down a 0 % balance transfer balance offer that he just executed. There really is no guaranteed 1-year, 0 % interest transfer period, as they represent in their promotions. 

As an example, you can transfer {$1000.00} to a BOA card with a 1-year 0 % interest offer ( good until XX/XX/2017 ). If your monthly payment is {$300.00}, the balance subject to this 0 %, 1 year promotional offer is actually paid off in 4 months, while your other balances continue to earn 13+ % for BOA. In effect, all of you monthly payment goes to pay down the 0 % balance transfer balance while your balances subject to interest are not paid down at all! So there 's really no value to the balance transfer and BOA charges a 4 % fee for this privilege! In reality, the consumer is probably losing money on the balance transfer - from the initial 4 % fee, from the deceptive 1-year " value '' of the 0 % offer, and from the fact that if the consumer transfers a balance, that 0 % balance is paid off first with all of their monthly payment, while other interest carrying balances get no allocation and earn BOA even more money! 

I know that I can walk with my money, but this borders on outright fraud. At a minimum it is a highly deceptive consumer business practice. Most consumers would not even check their statement, assuming that the balance they just transferred would remain at 0 % until the one year offer period expired. That 's where the deception and fraud in advertising arises. They also rightly assume that their monthly payments would be going to pay down balances subject to regular interest rates, at least in some proportion. But that 's definitely not the case. 

It 's like making you pay for an ice cream, which looks really good and worth the small charge. Then they just eat it all themselves in a few big bites! 

Thank you for your attention to this matter. The consumer really needs protection from this fraud.

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 2017-08-14
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 demand that Equifax not be allowed to mock the CFPB 's authority and victimize me by ignoring my rights. Equifax, has sent me a letter stating that they will not do an investigation. The bankruptcy adds a hardship and my rights were violated by Equifax. I ask for the CFPB 's to help make Equifax, stop victimizing me.The bankruptcy listed on my credit report does n't even have MY address!!! The bankruptcy address is listed as a XXXX, Ga address. I 've never lived in XXXX, Ga!!!!! Also the bankruptcy is listed as " Joint ''. Who is the other party listed???? How could they have verified or more importantly validated any and all information???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Capital one has me added to a credit card as an authorized user that I never requested and have no knowledge of the person the account actually belongs to. I have contacted Capital One and told them that I should not be an authorized user on XXXX XXXX 's credit card, however they have refused to remove me as an authorized user, and now I am showing late payments on my own credit report based off of Capital One adding me as an authorized user fraudulently. I was the victim of identity theft and my credit was also compromised during the XXXX breach but Capital One has refused to remove me as the authorized user. I do not know anyone named XXXX XXXX and I never have, and I never gave any such person the authority to add me as an authorized user. My identity was compromised and I am struggling to resolve these issues, but Capital One has refused to honor my efforts and have been verbally abusive to me with regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: COMMERCE BANK
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Commerce Bank- they charge a XXXX processing fee that is not disclosed in the terms of the loan provided by the dealership. 
-took 6 phone calls for then to provide the correct steps on where to have my bank send checks so my car payment is accepted. 
-They accepted the first check in XXXX set with my bank for recurring they returned the XXXX checks saying the account can't be found the XXXX check number is XXXX They have attempted to send me to collections for the missed payment. 
On XX/XX/XXXX XXXX sent another recurring payment via check number XXXX, they have yet to process the check. 

This issue falls under XXXX since the fee 's are across all non commerce bank customers. Checking Books are not a normal thing any longer. Most people and business use electronic payments due to safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-09-21
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
loan # XXXX we began a process with quicken loans XX/XX/2015. seller paying closing cost and appraisal cost.. gave a {$400.00} deposit for good faith estimate. was to come off the down payment at closing. it would only be lost if we ourselves backed out ... many problems and XXXX times cancelling closing dates,, the seller backing out.. asked for the GFE deposit to be returned and was informed NOT HAPPENING! spoke with exec. office ... XXXX XXXX XXXX stated NO MONIES WILL BE RETURNED, also we 're lucky we do n't get a bill,, claims it cost {$550.00}. not true {$300.00}. seller paid and it was known to be that ... QL literally lied to us, they referred it as,, we were misinformed. have documents and correspondents to proof their total INCOPENTENCE! we did not stop or create the XXXX we 've been placed through.. our entire summer given to QL and now they want us to give them {$400.00} for the ride. from XX/XX/2015 THRU XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was shopping for a mortgage and a representative from Quicken Loans told me they needed my credit card info to process the initial application, but the representative assured me multiple times that there would be no charge at this point, so I provided the info. I don't remember the date this exchange occurred, but roughly a week later (XX/XX/XXXX) they charged my credit card $XXXX without any notification or authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The lender together with my realtor completed an appraisal without communicating with me. This was scheduled on the day of my inspection and my wife who was on the site had no idea that the appraiser was there. I did sign consent authorizing Quicken to take a deposit and to begin the underwriting process, but I do feel mislead since the appraisal scheduling was done without consulting me at all. I wanted to wait until after the inspection since the deal was not totally finalized and now that I am not moving forward with the loan due to the results of the inspection, I am not being refunded my deposit. I 've asked for communication between my lender and my realtor, but Quicken Loans has refused to provide this stating that it is " proprietary. '' I would like to know how and why this was scheduled without my having any input into the scheduling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Altisource Portfolio Solutions, S.à r.l.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
First of allow us to make the declaration ; our home is paid in full with No Mortgages or Liens validated by County Records and Title Insurance ; but this Company, Altisource an affiliate of XXXX, broke into our home ; and changed the locks to a coded lock ; destroyed our front door ; and pantry door ; ripped up our carpet in the den and master bedroom, muddied the carpet on the stairs and upstairs ; and transferred our utilities to Altisource Name. We contacted the Police ; and the Police after reviewing the evidence ; and speaking with Altisource and XXXX Reps filed a Felony Charge of Theft by Conversion. XXXX XXXX, Altisource Ombudsman Customer Manager claimed that XXXX 's Attorney, XXXX XXXX was the culprit stating that the property was vacant ; but the yard was manicured and the utilities were on ; so he changed his story to state that was foreclosed on XXXX XXXX, 2017 ; this lie was also debunked. XXXX 's Ombudsman had no knowledge of any foreclosure and this was validated by his letter that stated " They are reviewing the issues raised that was submitted to the CFPB and would respond by XXXX XXXX, 2017. ( Ombudsman Letter attached ). The CFPB email stated, XXXX XXXX XXXX XXXX is reviewing the issues and are requiring 60 days to respond. ( CFPB Letter Attached ) Aside from the fact that we own our home outright and has never had an account with XXXX or Altisource ; and has NEVER paid Ocwen nor XXXX dime. We have no idea what Altisource is ; but know that XXXX is nothing but a Big, Fat, Criminal Collection Company for Mortgages that was sued and ordered to pay 2. XXXX XXXX Dollars and issued a Consent Order by the CFPB ; and has recently been sued again by the CFPB and 25 other states that also has banned them. Neither Ocwen nor XXXX are banks or Lenders yet they think that they can break into someone 's home ; change utilities and take possession ; NOT OUR HOME. Evidence has shown that the CFPB is investigating the Altisource- XXXX Relationship. ( Evidence Attached ) Evidence has shown that the SEC Subpoenaed XXXX over Altisource Associations. ( Evidence Attached ). Evidence has shown that Altisource paid XXXX XXXX to settle a Class Action over its XXXX 's relationship. ( Evidence Attached ). With all of the above ; and much, much, more ; how in the World are these Crooks still operating in America? As Veterans that defended this country ; someone is going to answer that question ; and Altisource is going to PAY to restore our home.

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 2016-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Select Port Folio is my mortgage company, I have submitted financials and request for mortgage modification several time over the past few years. 
SPS has n't assisted me with my modification request. I 've spoken with Client services several times. I 'm informed I 've been mailed correspondence regarding the modification and I have n't received any correspondence. 
I do receive the property foreclosure sale notices. Please assist me with obtaining obtaining a mortgage modification. Received foreclosure letters from attorney Per the statue Tennessee code annotated homeowner is suppose to receive proper notice 30 days prior to foreclosure. 
prior to foreclosure sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello my name is XXXX XXXX DOB XX/XX/XXXX. Ability Recovery Services LLC ( XXXX ) contacted me on my cell phone. The first I heards of this debt was in XX/XX/XXXX/XX/XX/XXXX. I attempted to gather information regarding this debt ( {$1300.00}, account ID XXXX ) because I know very well what my family owes and this debt is not one of our debts. As I began to ask questions regarding the debt the representative told me this was a visit to XXXX XXXX XXXX XXXX XXXX on the first few months of the year XXXX. I informed her I XXXX XXXX have not visited a medical place in XX/XX/XXXX much less located in XXXX XXXX. The representative then asked me are you not XXXX XXXX DOB XX/XX/XXXX and this was a visit to this clinic in XX/XX/XXXX???? I responded absolutely NO! She then began to ask me what my date of birth was and I was very suspicious of these people trying to pin this debt on someone with the same name so i did not offer any personal information ( please do not share any of my personal information to them ). I did state to them this was not my debt and i was not paying for it, her response was then will see what you 'll do when it gets on your credit reports. I am outraged at his company and how they are trying to pin this debt on me and i did not even get sick in XX/XX/XXXX and i have not visited an urgent care center or nothing alike in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled an outstanding debt with XXXX, the assigned credit collection company by XXXX XXXX. Payment was a lower amount, and was for payment in exchange for PAY FOR DELETE. 

Attached are the payments receipts, and I received verbal confirmation from XXXX agent on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was told that I had a collection. I was never notified before hand about any debt. 

They automatically put something in collections without my knowledge

Company response to consumer: Closed with explanation