BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
i applied for a mort loan about 1 month ago. i was trying to refi my bofa loan with that has a XXXX balance with a XXXX pmt to a 15 yr loan for about XXXX per month. i have been with bofa for 30 yrs, i 've had this loan for over 10 yrs paid perfect. they sent me that my beacon was XXXX, home value XXXX. i can show XXXX in assets in XXXX financial institutions and could easily cash in annuities to pay but i dont want to. i am asking only to redo my bofa loan w/no money out ... .i have XXXX for 25yrs this should be the easiest loan you can get, there is no angle that this is not a paying loan. on XXXX i tt XXXX XXXX he asked me to get verification a loan on my XXXX was not mine i did that called the next day no return call ... XXXX & XXXX called left msg no return call ... about XXXX recieved turn down letter that was sent out XXXX XXXX he sent me on a goose chase ... .both XXXX and XXXX XXXX that i spoke to were not very helpful ( useless ). could someone with bofa who can make an educated loan descion please contact me to at least explain to me why you would make this desiscion on a 30yr perfect cust of bofa

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 2017-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed XXXX medical collections from XXXX. 
These collections were included in a chapter XXXX bankruptcy case. 
The collection agency said that the case was dismissed however they were referring to a case from XXXX. I filed Chapter XXXX in XXXX case # XXXX which was discharged. Equifax keeps the account showing as open. Also equifax does not show the bankruptcy case on my report. Case # XXXX. 
I would like the collection accounts removed or updated to show closed with {$XXXX} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Pinnacle Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I currently have an account with Pinnacle Credit Services on my credit report that I disputed because I did not believe the account was mine. It came back as verified with all XXXX credit bureaus. Recently, I contacted all XXXX credit bureaus to remove the dispute comments from my credit report since I would like to apply for a mortgage. XXXX complied, however, XXXX and XXXX stated that based on the status of the dispute they would have to re-dispute it to have it removed. I got the updates from XXXX and XXXX around XXXX XXXX stating that the investigation was complete but the account remained in a dispute status. I called both XXXX and XXXX on yesterday, XXXX XXXX, regarding this. XXXX removed the dispute status, however XXXX stated that they could not remove the dispute because the creditor felt like the issue was unresolved and I would need to contact them. I called Pinnacle Credit Services at XXXX and spoke with a representative who informed me that they no longer held the account, and I had to speak with someone at XXXX XXXX. I was also given the account number of XXXX, phone number XXXX. When I spoke with the representative at XXXX XXXX, they informed me that they bought out XXXX and that this account was no longer being collected on or reported, but its still being reported on my credit report. She also told me that the account was from XXXX 2009 ( which is 7 years ). When I explained the situation to the representative she stated that all updates would be made in XXXX. With the information that I have been given, I do n't understand why Pinnacle would not remove the dispute comment from my credit report, especially since they no longer own the debt! This has been a very frustrating process for me since all I wanted them to do was to remove the dispute comment, but to find out that the account is 7 years old, no longer owned by the company reporting on my credit, and to then be told it 's not reporting but instead it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was the victim of identity theft and provided the required documentation and it was added.

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 2017-03-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I recently file a dispute with a collection agencies Experian claim that they removed the account from my credit file they failed to send me a updated copy of a credit report. I have the right per the FCRA LAWS TO RECIEVE THAT COPY FOR MY RECORDS AND SLICK AND DISHONEST IS I WOULD LIKE A UPDATED COPY OF MY REPORT ALSO NOTIFICATION THAT THE ACCOUNT WAS DELETED FOR MY RECORD

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 2017-03-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were approved for a HAMP permanent modification and then my father ( the only borrower ) passed away. Ocwen informed me that they would have to revoke the HAMP while they process the Loan Assumption to me. After Ocwen approved the assumption, they now are informing me that I will have to reapply even though HAMP has expired.

Company response to consumer: Closed
Consumer complaint received 2022-04-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Im harassed by somebody trying to serve me leaving notice to sue on my door every other day.

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 2017-02-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient Never told me that the interest rate on my loans were accruing. I went from XXXX to XXXX I need my principle lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
Request your assistance to get my Kohl 's charge account credited for an on-line order that was never received. 
XX/XX/2017 - Ordered a neckless from Kohl 's web site -- total cost {$1000.00} XX/XX/2017 - Received email from Kohl 's advising me that my order had shipped. Made several attempts in the next few days to track movement of my order, however no movement was showing on the shippers site. 
XX/XX/2017 - Contacted Kohl 's customer service to determine the status of my order. 
XXXX - Received an email from Kohl 's customer support ( XXXX ) stating : 'I have checked on the above mentioned order number and found out that the delivery is still being process. We are still hoping for the possibility for the package to be delivered. Please allow some time for the carrier to deliver your package on or before XX/XX/2017. If you still did not receive your package by that date, kindly contact us so we can further assist you. ' On or about XX/XX/2017 - Received XX/XX/2017 bill - Kohl 's billed me for the bracelet that I never received. Although I never received my item I was forced to make the minimum payment to avoid a hit on my credit report. 
XX/XX/2017 - Spoke with Kohl 's customer service to complain about being billed for an item I never received and requested my order be cancelled and my account credited for the purchase price. Was advised that my account would be credited. 
XXXX - Credit had not processed. Contacted Kohl 's customer service again, ( XXXX ) requesting to have my account credited. XXXX advised me that she would get my credit posted. I also asked to speak to a supervisor. I was forwarded to a voice mail and left a voice message requesting to be called back. Kohl 's never returned my call. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again and asked to speak with a supervisor. Spoke with XXXX about my issue and he assured me my account would be credited within 24 to 48 hours. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again, spoke with 1st line supervisor XXXX, to address my issue and to stress how upsetting it is to be billed for something that I never received. Also expressed concern that the XXXX bill will be issued in the next few days and Kohl 's would not only bill me for the non-delivered item, but charge me interest as well. I also asked to speak with his supervisor. He told me his supervisor was working other issues, but would definitely call me back with two hours. I never received a call-back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is wrong information in Experian Report XXXX Account # XXXX Wrong balance XXXX Account # XXXX Wrong balance Please update my credit report as soon as possible.

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 2016-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
after repeated attempts to explain to B of A that my income dropped because of retirement or was about to, asking for credit card interest rate modification, I was told they would review it the next month, also the rate went from about XXXX to over 21 % once they " re-evaluated '' my income situation because I missed work due to medical issue which reduced my income temporarily. I would like to get copes of the phone calls to my cell phone from the period of XXXX XXXX to XXXX XXXX as now they are sueing me for non payment, In turn I will counter sue for harassing phone calls. Repeated attempts to B of A even though I spoke to supervisior was the same rehearsed reply, " we will review this next month '' Many times I answer and asked for relief to hear the same story. Many of there harassing phone calls were from many variations of phone numbers and multiple calls having to say the same thing over sometimes an hour apart. This happened repeately

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 2017-03-16
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I 'm not really even sure who the original lender is. All I know is on XX/XX/XXXX my paycheck was garnished and I never received any notices. I got a letter with my pay stub saying midland llc garnished me. I did a little research and apparently some company by the name of XXXX was suing from XXXX. Never dealt with them before. I called midland and they gave me another number to call but they never answered

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Alliant Capital Management LLC
State: NH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This company uses illegal and abusive collection practices. They also go by the name XXXX claiming to be some sort of legal mediation company. They will refuse to identify themselves as a debt collector. They continue to call friends and family members even though they have my phone number, address and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a XXXX XXXX The Studio Leather Messenger Bag from XXXX for {$2100.00} on XX/XX/XXXX. On XX/XX/XXXX I received a email stating that my order arrived however I was home all day and nothing ever came. I think it is very unfair that an order this expensive did not ask for a signature when they claimed that it was delivered, they could have dropped it at the XXXX store it just makes no sense to me. I ordered multiple things from XXXX and never had a problem with them until know I contacted XXXX to see if there is some way they can help they pretty much said no. So then I turned to my credit card since that is literally my last option and submitted a dispute, after a month and some change they denied it as well because Chase decided that XXXX had proof of sending out the package. How is this proof of delivery? It never reached me so I dont understand why Chase is siding with XXXX XXXX its frustrating because I used Chase bank my whole life and I thought they would step up for me and see that this is unfair. Also I cant even make a police report for this because this happened 2 months ago and the whole dispute process lasted so long that I missed my chance. So this is my last option and I never even thought it would resort to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an Amex XXXX XXXX card in XX/XX/2022. As a part of opening the card, there was a promotion of XXXX skymiles points if XXXX or XXXX $ was spent within the first XXXX months. I used the card to make a $ XXXX purchase within the first XXXX days. I called to confirm that I had reached the terms of the promotion and to ask when I would receive the skymiles points. I was informed that I had achieved the required terms and that I would receive the Skymiles points after XXXX months or XXXX statement cycles. After that conversation, I called to inquire about closing my XXXX Amex gold card. I asked if there would be any issues with the points on the XXXX card or the XXXX card. I was told no issues and continued with closing the Amex XXXX gold card. Today XX/XX/2022, I called to inquire about the promotional Amex XXXX XXXX card points that I was told I would receive after the XXXX cycles/months. I was informed that since I closed the gold card within the XXXX months/cycles that it had voided the terms of the promotional offer. The terms of the offer that were cited are the following : " Welcome offer not available to applicants who have or have had this or previous versions of this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. ". I told the representative that I was misled and that the wording in the terms was very vague. I asked to talk with a manager and was told that I was talking to the equivalent of a manager. The issue was not rectified during the call and I submitting this to ensure that the issue is appropriately investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
this complaint is with Coldwell banker mortgage servicing. My issue is in XXXX I made my mortgage payment along with the escrow shortage I used the coupon they sent me. They applied it to my principal so when I made XXXX payment I started getting calls attempt to collect a debt!! XXXX XXXX they filed a work order to fix it. Now I come to find my XXXX and XXXX payments have been cashed not applied to my loan but they cashed my checks!!! Where exactly is my MONEY in a interest bearing account???! I have also received paper work a week ago for early intervention assistance because my loan is in default! You get absolutely no place with these customer service people, you speak XXXX, I have turned them into the office of the president and this matter has still not be resolved. What is my recourse here this a RESPA violation under # XXXX there should be some restitution involved here! On top if they have ruined my credit. This is just absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Purchased home XXXX 2013 using XXXX, Coldwell Banker Mortgage and Coldwell Banker Title Co. One year later find out that they did my tax escrow at {$2400.00} when in fact my property tax are {$5500.00} per yr. I was told that for the next year my payment would go up {$400.00} per month and that for the next 28 years my payment would go up {$200.00} per month, a {$66000.00} mistake made by Coldwell Banker that I suffer for. I contacted Coldwell Banker to try to refi at the present interest rate which would of made my mortgage payment using the correct tax amount, with in {$20.00} of my true payment. They would not refi but told me to contact there mortgage modification. The modification dept. said they could not talk to me until I was 90days pass due. I stopped making payments and then contacted them again with no results. They would not redo my loan but could work my pass payments into a repayment plan along with my new tax problem. My payment then for the next 9 months would go up {$1000.00} per month. This company has destroyed my life, I now have bad credit, losing my home and for the XXXX time in my life have to file for bankruptcy. I am a XXXX XXXX XXXX Veteran and over the last year had problems and am at XXXX. The pressure of this problem with the mortgage company and all the problems it has caused in my life has not been good for my mental health. They have destroyed my life that I was at last putting together and moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I called the court house and I got a verbal that they do n't report to the Credit bureau s I have XXXX chapter XXXX bankruptcy on my report two months apart. 
# 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 explanation
Consumer complaint received 2017-03-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: KEYCORP
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Man by the name of " XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through Key Bank NA. He used tactics such as illegally trying to persuade me that he was speaking to Key Bank as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.

Company response to consumer: Closed with explanation