BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-21
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Company Called  Diversified Consultants be gan calling my cell phone multiple times a day. I would not answer the phone because I have no business with that company. They have added a collection account to my credit report. I do not have any business with this company and have no outstanding unpaid bills or charged of debt with this company or any other. I believe they have the incorrect person or they are trying to collect money from over 20 years ago. They have not mailed me any information about the debt and I will not speak to a collection office when I know I have no issues.     I believe this company is engaging in debt collection in an illegal matter and should be investigated. I have disputed the account with the credit bureaus. If the account is not removed from the credit bureaus then I will pursue legal action for damages against  Diversified Consultants.      I am in the process of trying to buy a home and this has caused financial damage to my person.      XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX to XXXX made attempts to make a payment. I received confirmation of payment but it didn't process for some reason I recall retrying and resubmitting bank information with a man in XXXX or XXXX and I eventually saw dollar wise my account had been reduced which loosely corresponded to {$310.00} ( which was short the stated {$15.00} immediate reduction and it was short the 20 % off for signing-up for e-mail ) Last week I saw on my free credit score a charge, and now today on the paid experion access they were charging me more at {$56.00} or {$58.00}. 

I called customer service just before and a XXXX from XXXX ( unbeknownst to me that the govt. is allowing our personal information out of the country ) but she refused to remove these fees. 
I asked to speak with a supervisor and she claimed I would have to wait. 

I have to write quickly I am late

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25
Company: NAVY FEDERAL CREDIT UNION
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:
THIS IS IN REFERENCE TO A NFCU CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. NFCU HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a Lowes credit card in XXXX with a beginning balance of {$3000.00} and continued making monthly payments up until XXXX which is when my spouse lost her job. I informed Lowes of what happened and offered to lower the monthly payments I could afford. I began making payments of {$54.00} to {$100.00} and after 5 months I asked for a balance update and discovered I made a small dent on my balance. I asked Lowes why my balance was almost the same? Lowes responded that only XXXX of my monthly payment goes to my balance and the rest goes to their interest. Lowes also said not to make large monthly payments because anything above the minimum will go to interest alone. I informed Lowes that I never agreed to such a high interest which they said I did. Lowes offered to help me make payments on my account and never mentioned a high interest account. Lowes only said to make minimal payments of {$54.00} a month until spouse gets another job. I stopped making payments over the minimum and my balance as of today is {$1600.00} after 8 years of steady monthly 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 monetary relief
Consumer complaint received 2020-04-10
Company: DISCOVER BANK
State: IL
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:
This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. And have previously sent this report to them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Late fee

Complaint:
I established autopay on a new account with Synchrony Bank. I have an email confirmation f the autopay enrollment with dollar amount and confirmation number. A payment was never applied. I called Synchrony this morning, and was cut off, upon calling back I requested a supervisor, who informed me they have no record of the autopay, and that I would need to fax my email confirmation to them, for them to consider, if I had a valid issue. It is unacceptable to me, that they could not take my confirmation number to validate I had enrolled. According to them, they had no record of my autopay enrollment. This is unacceptable. I was told I can not forward the email, as they can not accept emails, only faxes. I now need to fax the email confirmation to them, and they will " consider '' reversing the late fee. I will no longer do business with Sycnchrony, and will be closing the other accounts I have with them. Given this account has a 0 % interest rate for x months, I am wondering if this is something they do intentionally, to earn fees off those who pay their balances in full on these promotions. 
It is a condition of my employment that I maintain my personal finances in an impeccable manner, therefore, an issue like this can cost me my position, or at a minimum, put my career in jeopardy.

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 2020-04-10
Company: EQUIFAX, 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:
For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my Equifax and XXXX XXXX credit scores with XXXX XXXX and discovered that Equifax had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by Equifax and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased a product from XXXX back in XX/XX/XXXX and the product involved is a bed frame and it came with 5 years of warranty so i contacted the seller and he asked me that Ill get a replacement. Inspite me being provided the seller with my updated address, they shipped it to wrong address. After contacting the sller about it, he said Ill get my refund back. So they processed with the refund on XXXX XX/XX/XXXX in a debit card which i used at the time of purchase ending in XXXX with bank of america and i dont have that card with me anymore as i got a replacement card. I contacted back several times and they were not able to help me. I even disputed the original transaction as suggested by XXXX, the bank refused to do that as well. When i contact the XXXX they said it has been processed and i had a call today involving Bank and XXXX again it didnt get any settlement. And bank suggested me to contact you for the help. Its of XXXX dollars transaction and I confirmed by checking my banks statements that I purchased it from the same bank and the debit card i have with them and the transaction reflects in my XX/XX/XXXX statement. Please help me in getting my refund back as bank and XXXX are not able to help

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 2019-12-05
Company: M&T BANK CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I do signed for a car loan and we know that being I co signed I am responsible also but my complaint is that I did not give the bank any authority to take money out of my savings account and they did so without any notification at all   I have left m&t bank which I have been with for 30 years and I am very upset. Have paid off multiple loans through this bank and have never had them or anybody take my money without any notification. I am very upset and hurt with all this as I have been a customer for 30 years.

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 2015-12-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We wanted to refinance our mortgage and were well into the process when the broker requested a payoff amount. When we got the statement with the payoff amount from the loan servicing company, it included a request to pay roughly {$5100.00} for property taxes. 

This was odd, because XXXX XXXX XXXX held our property taxes in escrow every month and had over {$7100.00} in an escrow account. Why did they need an additional {$5100.00}? 

We called and asked and they said the {$5100.00} was to pay property taxes if the loan closed after the taxes were due. We were thoroughly confused because - of course - they had {$7100.00} in an escrow account they could use to pay the {$5100.00} in property taxes. 

So, I was stuck. The lender would not refi the mortgage without a proper payoff amount and XXXX XXXX XXXX would not change the payoff amount. I eventually called an attorney and he got the loan servicer to update the payoff amount. 

We thought we were in good shape, but then the broker told me the new lender was dragging their feet and that we would need to finance an additional {$5100.00} to cover the property taxes. 

It did n't make any sense, but we were in a very bad mortgage and we desperately needed to lower the payment so we just XXXX XXXX the {$5100.00} only increased our payment by {$12.00} a month, and we assumed we would be getting the escrow amount of {$7100.00} back, so we just went with the new loan. 

Last week, we received an escrow distribution of {$1200.00}. They kept roughly {$6000.00} and we financed an additional {$5100.00}. I do n't know who cheated us out of our money but it 's clear to me that we were taken advantage of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My current bank BB and T. Is changing the order of processing transactions and automatically applying overdraft fees to accounts for pending purchases and not processed ones and will not refund the fees if the pending purchases do not go through or are cancelled. They have also placed holds on cash deposits that I have made through the atm without an envelope, and which should have posted directly to the account. I paid a bill at the bank with a check on XX/XX/XXXX and had over {$1000.00} in my account and was still given a fee for the check because a purchase was made with debit card the next day after business hours that they took out first and not the processed check. I do not like how they are reordering transactions for so that they are able to assess fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-04-10
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I got a Brinks Money pre-paid card in the mail, assuming it was for my unemployment benefits. I tried activating and its requiring additional documents to be sent in. 
I attempted to call back and the number on the card seems to be disconnected.

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 2020-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So I got scammed on late XXXX early XXXX of year 2019 for the amount of {$1700.00}. COMPLAINT ID # XXXX Summary of my complaint : Chase executive named XXXX received my complaint and still flat out rejected me, referencing the DAA ( deposit agreement act ) where it says ... ( not word for word ) " if employee contradicts rule, this rule will govern '' with the rule being that they have no responsibility for their customer representatives providing misinformation to me that the check I withdrew was verified good. I'm frustrated because for her to use that as her defense would mean that she expects me to have remembered that rule on page X line Y that I signed OVER A DECADE AGO. That's outrageous. She is out of her mind. No one can remember that. It is her companies fault for not only having poor check verification staff, but also for lack of customer engagement in the sense that I was not made aware of this " rule '' in the 20+ times I called chase prior to withdrawing the check. I'm XXXX and I want TO BE fully REIMBURSED for what was NEVER MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been making payments on my husband 's account for the past few months getting his account paid off. When it came down the the VERY LAST PAYMENT, my account was charged XXXX more than what it was supposed to be charged and the payoff was n't even that much. 
I called on Tuesday, XXXX XXXX at XXXX and spoke with a representative for 15 minutes and 27 seconds ( per my XXXX records ) and made sure the payment to come out on Thursday, XXXX XXXX was for {$550.00}. This morning, I checked my account and it was a payment pending for {$780.00}. I called and was on the phone with representatives back an forth for 2 hours and 43 minutes. I had asked for a supervisor, and was put on hold. I asked for the AVP, and was hung up on. My husband was on the phone with me and he even called from his work phone, only to be on hold for over an hour with them only to be given wrong information and NO RESOLUTION to the issue. All I wanted was MY MONEY BACK. I missed 2 hours of work this morning trying to handle this situation. The representatives were more concerned about a rep inputting the wrong information when I called on Tuesday than my money missing. The rep put in the notes that my husband called, but I was the one that called and I verified MY name and MY bank account information. One rep stated that the account was sent to the office of the President, however, she was the one who hung up on me when I asked for the AVP. I am BEYOND furious since we had plans to do other things and now my account is in over draft with no idea of when I will be getting my money back. When I asked any of the reps to give me their I.D . numbers, they either placed me on hold or ignored my question. They saw in the notes that the payment was made, but did not give a resolution to the issue. Instead, they just kept putting us on hold and transferring us. My husband said it happened to him a few months ago. They took alot more than he had authorized and they told him that he would be better off leaving it since he had another payment coming due. He said it took them 2 weeks to return his money after he called SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation Dear Sir or Madam,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
01- XX/XX/2020 I refinance my home and paid off my old mortgage 02- XX/XX/2020 Per bank record, they mailed my escrow refund ck {$10000.00} 03- XX/XX/2020 Check NOT received until now 04- XX/XX/2020 I called the bank for my check and I was told that I have to wait for it. 

05- XX/XX/2020 I called the bank regarding ck. They told me they will stop payment and a new check will be issued. 

06- XX/XX/2020 I called the bank regarding my ck. I was told that they would stop payment and issue a new ck. I told them that in my previous call, I was told the same stop payment and issue a new check, which they did not do. Also, today, they told me, sorry, but you have to wait. 

BY THE BANK RETAINING MY ESCROW MONEY, THEY ARE HARMING ME A LOT AND MORE SO IN THIS TIME OF PROPERTY TAXES, VIRUS AND HOLLYDAYS. 
THE BANK SHOULD PAYMENT INTEREST AND PENALTY FOR USING MY MONEY AND LYING TO ME THE CHECK GOT LOSS. I DO RECEIVE MANY OF THEIR LETTERS ALL THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to contact Equifax several times regarding this supposed debt and have requested immediate removal do to inaccuracy. I have sent Equifax dispute letters along with receipts that this bill was paid. In my letter I asked that Equifax reinvestigate this third party collection company XXXX. The first letter I sent to Equifax was on XXXX/XXXX/XXXX. In Response, to that letter I sent, I received a letter back from Equifax stating that this debt was verified. How? Equifax has yet to provide me with anyone who they have talked too or any supporting documentation that they actually verified this suppose debt. I paid this bill long before it ever went into a delinquent status. I sent Equifax another letter on XXXX/XXXX/XXXX disagreeing with their decision and in response to that letter Equifax responded stating that the acct will remain on my credit file but will be updated to an paid status. How is that possible? I have provided Equifax with more then enough proof stating the facts about this bill and that it was paid long before XXXX XXXX XXXX got involved so, why should this remain on my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account XXXXXXXX XXXX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first XXXX years of a XXXX-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was XXXX years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar

Company response to consumer: Closed with explanation