BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced a mortgage held by BSI Financial Services. My loan escrow company requested a payoff statement on XX/XX/2020 from BSI but the payoff department did not respond until XX/XX/2020. The payoff statement sent was not accurate as it did not consider a XX/XX/2020 payment I made which was posted to my account and available to the payoff department prior to sending the inaccurate statement to escrow. A corrected payoff statement was immediately requested by telephone but was not received until XX/XX/2020. The delay resulted in my having to pay an additional amount of interest to BSI than I should have. In addition, a fee for extending the loan process was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  acc # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-02-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have paid in {$1600.00} this year on my student loan alone ( with Navient ) and only {$260.00} came off of my balance. I made my payments every month even though they stated that a payment was not due because I had made so many payments and they were over the minimum amount. Every time I ask questions about how my payments are being applied., I get the run around. No one wants to answer my questions. All they say is that I owed in interest. I do n't understand how that is possible if no payment is due and I was making payments anyways. How can I be behind on interest? I ca n't seem to get any help. I do n't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
paid the account in XX/XX/2017, It was removed, then in XX/XX/2017 it was put back on credit as a open collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Innovis
State: DE
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 have filed numerous disputes and complaints with Innovis on  XXXX  fraud accounts that are reporting on my credit report that need to be deleted from my credit file as fraud for accounts  XXXX  #  XXXX  {$1600.00}  XXXX  #  XXXX  {$1100.00}   XXXX   #  XXXX  {$900.00} and  XXXX  #  XXXX  {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill is for lab work as part of a physical that would be covered @ 100 %, however, it wasnt billed correctly. The doctor was to bill this as well visit, I have advised them several times that they need to re-bill this, however, they have refused too and sent to to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NACS, North American Credit Services calls to collect debts and uses " XXXX XXXX '' as the name of company calling.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) without any notice or warning reported to the credit bureau that I owe a balance of {$150.00}. First Credit Services ( XXXX ) is the collection company they reported the debt to, which when I called could not pull up my file or give me any information. 

When I went to XXXX I showed them documentation that I paid a continuous membership fee ( using my credit card statements ) until XXXX XXXX at which time the contract was already a year old and could cancel with no fees ( I have their policy ). The debt was reported in XXXX XXXX which makes no sense in the middle of a service contract. 

I was told by XXXX XXXX it is a problem with their billing and they can not do anything to help me. This is unacceptable and they could not explain why I was even charged. I need help in order to resolve this. I need to get this debt taken off my credit report and I need it to disappear due to the fact I do not owe it and have the documentation to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/XXXX I RECEIVED ongoing spam phishing emails to my personal XXXX with security details as XXXX  compute XXXX. I have reported FRAUD ACCOUNTS linked to MY XXXX BY unknown entity thru XXXX.. FAKING AS MY XXXX ACCOUNTS ... to both the cfpb and the FTC. 
THIS PHISHING SPAM EMAIL SECURITY DETAILS attached XXXX  SENT BY TV TO MY XXXX @ XXXX FALSE advertising and phishing attempts and linked to as per attached spam email info states shadow box company out of state of Utah And 30 minutes from me in XXXX va companies stating as XXXX XXXX XXXX class mail XXXX XXXX and XXXX all represented as different entities leasing office space OF VIRTUAL ADDRESSES ... ..FRAUD!!! AND LINKED THEMSELVES TO RENTiNG WELLS FARGO BANK  BUILDING XXXX VA AT : STATED ON THE ACTUAL ILLEGAL PHISHING SPAM EMAIL SENT TO MY PERSONAL.GMAIL ... 
XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX ILLEGAL PHISHISHING SCAMMER SPAM ON XX/XX/XXXX CLAIMS TO BE XXXX  REPRESENTED AND RENTING WELLS FARGO BANK BUILDING IN DOWNTOWN XXXX VA FOR ONLY {$150.00} PER MONTH. I LIVE 40 MINUTES FROM XXXX VA. 
XXXX XXXX OF XXXX VA IS STATED AS ONLINE REPRESENTATIVES AS THEMSELVES AS AGENTS FOR WELLS FARGO BANK BLDG AT {$26.00} SQUARE FEET AT XXXX XXXX XXXX XXXX VA XXXX RENTAL OF OFFICE SPACE NOT {$150.00} SPECIAL THRU EARTH CLASS XXXX XXXX XXXX XXXX. MY IDENTITY THEFT FORMS ALSO WENT TO A FRAUD VIRTUAL ADDRESS OF A WELLS FARGO MANAGED CONDO UNIT THAT WELLS FARGO BANK HAS NOT  YET ADDRESSED AS TO WHY I WAS GIVEN A FRAUD BANK ADDRESS TO SEND MY US IDENTITY INFO TO ... I GUESS ILL SENT THIS TO XXXX  AND SEE IF THEY HAVE A ANSWER FOR VIRTUAL ADDRESSES BEING GIVEN OUT TO PERSONS AS A BUSINESS ADDRESS BUT NOT VALID. 
The XXXX  XXXX XXXX  has had complaints on fast logic and can't get the company to respond. I reported this to the XXXX  XXXX va XX/XX/XXXX DUE TO THE XXXX  VA website states if a person was victim of a puppy buying scam to report it. MY PUPPY SCAM WAS DONE THRU WELLS FARGO BANK TO XXXX XXXX in XXXX XXXX. WELLS FARGO BANK EMPLOYEE NAMED XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX Virginia handled mine at Wachovia bank. She stated the XXXX XXXX  account had not received me wire of {$1500.00} ( XXXX XXXX dollars ) and sent another XXXX XXXX dollars THAT DID NOT NEED TO BE SENT WIRED AGAIN. I WAS OUT XXXX XXXX DOLLARS JUST LIKE THAT!!! Thank you XXXX XXXX that would not call me back to discuss. my identity theft is ongoing ftcXXXX

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 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Hi I have been banking with BankOfAmerica for the last 6 years and recently opened a new savings account last week Saturday over the phone with a banker. The banker requested my debit card number so she could make the initial {$25.00} deposit to open my account and the banker debited from my account twice which I have attached proof. I alerted her to the XXXX transactions and was told that it 's not processing on her end but it may show up in about 3 business days so I was told to wait until Wednesday which would of been the third business day until the transaction was processed and if not to call back in, we then went through the online e-banking process and she helped me to set up an online account. Tuesday of the following week I transferred {$250.00} to bring my account to a XXXX minimum so the {$5.00} monthly fee would be waved, by Wednesday I signed into my other checking account which was used to debit the XXXX charges of {$25.00} each and I noticed my account was credited {$50.00} back so I called my bank and was told that either BankOfAmerica cancelled, rejected or their could of have been a merchant error in processing the XXXX fees and bankofamerica did not receive any money. I then decided to transfer back XXXX from my bank to bankofamerica so I could bring my account to an even {$300.00}. A while later I checked my account to see if the money was received and while trying to login I was given an error message and a number to call. I called and reached a very rude and inconsiderate account risk customer representative and was told my account was closed and there is nothing I can do about it. I asked why and was told BOFA had the right to close my account without my permission and I am BANNED from life from ever opening an account with BOFA, it was a business choice and I am welcome to bank with another bank but it 's a business decision that we no longer want you to bank with us. I was appalled, shocked and hurt. I have been banking with you guys for the last 6 years because you guys are the closest branch to where I live. I went to the bank later that day and was told they could do nothing for me and my money would be sent out in a check to my home, at this point I do n't know who to reach at this point and everyone has continuously transferred me to the account risk department to be told the same thing but no one as actually cared or concerned themselves to help me resolve an issue and at this point no one is giving me a chance and I 'm just being kicked out of BankOfAmerica and forced to open up an account with a new bank. I would really appreciate any help please.

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 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the mortgage owner. My mortgage modification is unaffordable, because I am on a fixed income, due to medical issues ( XXXX ). My wife is assisting me, but she has her own bills and she is not on the mortgage. My income is {$XXXX} per month, and I am not asking for a free mortgage, but a $ XXXX {$800.00} mortgage would be more reasonable then {$1200.00} that is currently being asked for. 
The property value has diminished, due to the current net present value and community down grade. My neighbor next door value is approximately {$99000.00}. We have been very patient with the Bank, by coming in a few years ago to speak with a representative, but to no prevail. We love our home and want to stay here. We are only asking that request be taken seriously, as being given a true modification for the benefit of the customer. 
I look forward to hearing from you to address the above concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax will not produce my score and this is preventing my home mortgage to approve. I wait on hold for over an hour then Im disconnected, or once I did talk to someone and they didnt understand why it wasnt reporting. This is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I am filing this complaint against Capital One because I they are misapplying my payments toward balances with lower interest APR 's out of complaince with federal rules and their own stated policies. 

I paid {$140.00} on XXXX XXXX, 2016 to Capital One. This payment included {$68.00} to cover the minimum payment for a balance carrying an interest APR of 15.15 % ( The minimum payment was due on XXXX XXXX ). The additional {$76.00} was supposed to pay off a {$75.00} balance that was carrying an interest APR of 25.15 %. 

Unfortunately, the next billing cycle ( minimum payment due on XXXX XXXX ) showed that I was still carrying a balance of {$42.00} at the 25.15 % interest rate. 

I would appreciate if you department would look into this. According to the FAQ on the back of the Capital One billing statement, it states the following : How do you Apply My Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR ( including 0 % APR ), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I accidentally purchased the wrong hotel rooms for a trip to XXXX. As soon as I made the mistake, I called my credit card company to see if they could cancel my transaction bc the hotel does not have an international number to call. I was assured that the transaction would not go through because it would cause my credit card balance to exceed the limit. The next day, the credit card transaction processed and I was allowed to exceed the limit. I have not previously been allowed to exceed my limit which is one of my favorite things about this credit card. When I called to ask why they said I had signed up to allow for the card to exceed its limit ( not sure when I did that ... ) and I would be responsible for the extra hotel rooms. I also reached out by email to try to correct the mistake but they have a no cancellation policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to my credit report, I have contacted them and requested my address, employment and account be removed. Its XXXX account that remains on my credit report TCS XXXX XXXX for a date od service in XXXX XXXX. I have contacted them directly. I spoke to a XXXX at XXXX and she told me that this billing company est. XXXX and they do not have any records of my information. She then told me to contact the doctor office XXXX XXXX and speak with XXXX at XXXX. They too have no records of me, by searching for my name and social. I was then told to contact the hospital XXXX XXXX XXXX XXXX in medical billing. I spoke to XXXX who said she has no records of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After receiving a call for the first time, was told they called me 96 times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On date of XX/XX/XXXX Wells Fargo Bank issued check {$25.00} mail out to me reference number XXXX, check number XXXX and I did mobile deposit to XXXX XXXX XXXX  on date XX/XX/XXXX. Date of XX/XX/XXXX XXXX XXXX mail me for notice of return check and copy of mobile check with charged {$10.00} for return check from wells fargo bank. 
I called wells fargo bank XXXX many times and they said, that check was cashed out some one. I told them I has original check and check is on my name, who can cashed check? they said, will mail out proof of cashed 2 weeks ago but I never got it. 
I called again with same issue but same story go on, will mail out. 
wells fargo bank need to pay me {$35.00} including {$10.00} loss for they returned check. 
They answered same things all the time nothing more explained about situation. 
They must find out who cashed instead of me but they don't and don't care. 

I need to help, Please My e mail is XXXX Thank you

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 2022-04-15
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-04-05
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I was able to send back the car way back in 2013 yet it is still reporting up to this date. I thought we had a common ground that this will be removed already. Please consider helping me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancel this policy with progressive having already at the time that they bill me with this amount insurance with XXXX and even do I send them prove of new insurance and cancellation letter they still send me to collections and keep trying to get money from me and I dont owe nothing to this company at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Global Credit & Collection Corporation
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collection agency is calling my parents and my ex 's mother and they are harassing them daily then they stop for a few weeks and start calling again.

Company response to consumer: Closed with explanation