BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX 

REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was contacted on or about XX/XX/XXXX by a representative from Freedom Mortgage about a VA Streamline refinance program for people that have homes with a VA Loan. I explained in great detail that the property located in Illinois was tax exempt. Meaning, I do not pay property taxes on this home due to my status as a XXXX veteran. The laws for XXXX XXXX XXXX exemptions and eligibility are available on their web site. I provided Freedom Mortgage with a copy of the escrow waiver agreement that I signed with the previous mortgage company to show that the payment I make does not include escrow amounts for taxes. The closing documents did not show this change and despite my complaints the streamlined refinance was still initiated and completed by Freedom Mortgage. I have called their office a total of 12 times and sent four email messages to which I have had no response. My mortgage payment has now gone from {$990.00} per month to {$1400.00} due to the increase in collection of property taxes ( for which I am exempt ). I have been unable to get a resolution with the representatives of this company. I have attached a copy of the XXXX taxes that are due on XX/XX/XXXX which shows XXXX  taxes. I have sat on the phone for hours explaining the tax issue to representative of Freedom Mortgage only to be transferred and put on hold several times. I would like your assistance in resolving the issues with the escrow for property taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have an automated payment setup for our mortgage each month. The auto payment is scheduled to deliver the payment XXXX days early each month and that is XXXX days earlier than the due date, not the extended grace period. Apparently, after receiving our early payment, Flagstar realized that we were off by XXXX because they had reassessed our escrow. However, notice of this reassessment was never received. On Sunday, XXXX XXXX at XXXX, we received a phone call from Flagstar requesting a call back. We immediately returned the call and were treated with an aggressive and rude representative telling us that we were late with our payment and had not paid in full. We were accused of having received and ignored the notice of the increase. However, we had never received the letter and at that point were still not late. In fact, we still are not late as the due date on the notice is XXXX XXXX. 

Despite the rudeness and aggressiveness, we simply asked what choices we had for payment. We were told that we could pay a fee of {$15.00} and pay over the phone, or since we were n't late, we could pay using online banking for no fee. We stated that we would do so immediately and the representative said they would note that in our file. We then went on to our XXXX account and made the payment, while also changing our auth payment setting to reflect the change. XXXX shows the payment was made today. 

On Monday XXXX XXXX, we came home from work and found the notice that had apparently been sent previously according to the representative, in the mailbox, proving that we had never been given notice of the change. Since that time however, we have received no fewer than XXXX calls per day harassing us and asking us for payment. We have continually told them we made the payment and again, we are not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient refuses to take my loan out of deferment. I contact them and request that the deferment be waived and they tell me they will put in the request and that I will be notified when it is completed and then nothing happens and you never hear from them again. You call back and the same process happens again. They never address the issue. They have previously removed the same type of deferment and it was supposed to be noted on my account that I did not want any future deferments that I am working towards PSLF. I'm so tired of fighting constantly with this company that doesn't listen, and doesn't care, and has representatives that are unknowledgeable and who are unable to make changes to your account. They continue to underserve and provide wrong information to people pursuing PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Privacy

Complaint:
On XXXX XXXX, 2016 my landlord informed me that Discovercard had contacted him about a payment I owed. This was in complete violation of my privacy as I had never given his name or phone number as a contact for me or my account. In reviewing Discovercard 's stipulations for contact, he in no way whatsoever fit the criteria listed within. Again, Complete Violation of my PRIVACY. Read : Illegal. I called the toll-free Discover card # and the actually nice employee to whom I spoke, XXXX, reported it was general practice for their " skip tracers '' to search any other phone numbers at listed properties and contact them. For the record : I unknowingly was {$27.00} shy my last payment and all current info on my Discovercard account listed my bill of {$120.00} as ( Leading me to believe I was up-to-date ) due on XXXX/XXXX/16. It was only upon calling the automated number that I learned that I owed {$27.00} immediately. I paid this amount, immediately prior to speaking to XXXX. 
Fast forward to XXXX : I paid {$99.00} due on the due date of XXXX which was On Time. On XXXX I began noticing daily calls from a toll free number, so I called it back on XXXX/XXXX/16 and discovered that it was : Discovercard. I spoke with a gentleman who reported that they just like to check in and try to pre-schedule payments prior to due dates ( my Next Due Date is XXXX/XXXX/16 a full 20 days after they began their daily harassing phone calls ) I told him that their persistent calls equate to harassment to which he vehemently denied it as harassment. I requested that he document my request for the contact to cease. He repeatedly continued to offer several options/benefits for arranging payment within the same breath. With each offer, of which there were several, I told him again, and again that I was not interested and requested documentation of this as harassment. I will further document future calls and add them to this complaint as necessary. 
Per XXXX Dictionary : Simple Definition of harass : to annoy or bother ( someone ) in a constant or repeated way What Discovercard is doing equates to harassment whether they are willing to admit to it or not. I am requesting that it cease. I would also like some sort of fine imposed upon them for violating my privacy by contacting my landlord on XXXX/XXXX/16 as their actions were completely illegal based upon their own outlined privacy practices. 


Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a Best Buy credit card issued by Cicibank, N.A. The problem I have is that after I opened the account they refuse to give me information or access to my account. This puts me at risk because I am not able to monitor or manage my account. I have contacted them on three occasions and they will not give me access to my account because it has not been verified. They are unable to verify my account because I have not received a letter from their consumer protection department with a code. I asked them what address they are sending it to and they will not tell me. I get the statements in the mail but they are not sending the verification letter to the same address. I asked why they used a different address than what I gave them when I opened the account and they said they used the address that was public record. This also puts me at even more risk because they are sending a letter to verify the account to someone else and they are the ones that decided to do so on their own. They also are using my wifes cell number as the main account contact which further confuses the issue. The funny thing is, I never gave them that number. The only thing I can think of is that they are using old information from when we used to have an account 4-5 years ago with them. 

I mailed a check to pay the amount in full last month so I could be rid of their nonsensical shenanigans but they will not close the account for me without verification. Credit score be damned, I am closing this account no matter what.

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 2020-08-28
Company: EQUIFAX, INC.
State: NE
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:
All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I have never missed nor been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2020 I tried to use my card to pay for grocery and pharmacy and it did not work. 

XX/XX/2020 I called BofA and the supervisor said the account was closed due to fraud and that all systems were down and I would likely not have access to my money for weeks. Rep referred me to CA EDD XXXX Unemployment ). 

XX/XX/2020 I called EDD they stayed my account was in good standing and open. They acknowledged there was a batch of accounts flagged for fraud but insisted mine was not one of them. EDD directed me to call BofA to demand my funds. I stayed on the phone 6 hours and was hung up on many times during 12 transfers that escalated the call and after 6 hours they insisted there was nothing the could do. One of the supervisors was going to call with me to EDD to verify that the info was error but instead hung up on me. I asked for this so called bank account closure to be put in writing and was also refused. I provided proof of my various calls as well a screenshot of my prepaid bank card. Notice how the BofA portal says nothing about my account being closed. EDD portal also shows an active account. Yet the BofA card wont work and when I call BofA to say there is nothing they can do and are aware of thousands of other callers but no action to fix it even when someone takes 6 hours to try to manage it. They said only the sponsor can close it but isnt there laws protecting balances on prepaid cards? The card has my name on it. I should be able to pull the money out. 

Please help! 
XXXX 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 non-monetary relief
Consumer complaint received 2021-11-26
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Flagstar Bank, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a hardship refinance with Flagstar Bank and submitted all the required documents. I called back after two weeks and was told the application was under review. I called back in another two weeks and was told the application was rejected because the documentation provided was too old. The pay stubs were the only documents that were to be recent and they were my XXXX most recent stubs at the time. I applied again and was never able to get an update about the status of the loan until after over a month had passed. I was always told they were backed up due to the number of requests, but it was in progress. I was finally able to get someone to tell me that my request had been rejected again because the documents were too old. I ended up having to take out a 401k hardship loan and am still paying tax interest and penalties because of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card
Issue: Application processing delay

Complaint:
On XXXX XXXX, 2016 a final payment for the credit card debt was processed by Bank of America for {$5200.00} along with a handwritten note on the reimittance to close the account BEFORE the annual fee would be charged in the following month. The instructions were NOT followed and the account was charge for an {$75.00}. I have tried to call them to ask them to read the note, refund the {$75.00} and close the account. they have refused. I believe this is clear example of the misleading practices by bank of America in an attempt to generate more income off of consumer eventhough they have been instructed to close the account before the fee. This appears to be very similar to the technique of delaying payments in order to generate fees.

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 2017-05-21
Company: NCC Business Services, 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:
NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IN
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:
Trying to deal with NAVIENT on a defaulted student loan. 

Our XXXX yr old, XXXX daughter finally defaulted on her long held student loan. That threw us into a problem trying to deal with NAVIENT to settle this outstanding loan. We had issues with everything about NAVIENT. First of all you ca n't get the same person on the phone when you call back. Everyone you speak with is reading from a script, demanding payment TODAY. We tried to negotiate a cash payout, to no avail. Then the phone calls began, calls during both day and night. Each call originating from another NAVIENT office, from Texas to Pennsylvania. As XXXX, on a fixed income we were exhausted trying to settle with NAVIENT. There 's no understanding, no consideration, just constant demands for money. 
In addition, I have serious doubts NAVIENT made any attempts to contact the original loan person, instead, jumping immediately on the co-signer, my wife. 
NAVIENT would n't even accept current information, citing some phony privacy rules, thus the original loan borrower got away scot free ....????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was being charged for equipment I returned in XX/XX/XXXX to XXXX. I called XXXX stating that there was dept in the amount of {$1600.00} for the equipment on my Credit Report. The representative saw on my account that they received the equipment. She started a case to let the dept collection agency now that the account is at a {$0.00} balance, and that they should have reported a dept on my credit report. My case number for XXXX is 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 2015-10-05
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
PayPal received an overpayment from my personal bank, in which I requested a refund, and a check was sent to me in the amount of {$200.00}. I never received the check. However the check was cashed by a XXXX party that I do not even know. Now, I am being advised by PayPal I must file a complaint with the XXXX XXXX XXXX that cashed the check. However, XXXX XXXX XXXX says because I am not their client, in which PayPal is their client, PayPal must complete the fraudulent activity. PayPal refuses to file the complaint, or send me my {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX account does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Oxford Law, LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
At XXXX on XXXX/XXXX/XXXX I was contacted by phone with a XXXX from the Oxford law llc. She wanted to confirm my name, address and phone also the last XXXX digits of my ssn. After that she informed me that a law suit has been issued against me due to a debit owed to XXXX XXXX in the early XXXX. I once owed money to XXXX XXXX but it was paid off when I refinanced my house in XXXX. Anyhow this debit is past the statue of limitations and I 'm pretty sure this whole thing is a scam.

Company response to consumer: Closed with explanation