BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I made a purchase {$65.00} using my cash app card on the XXXX jewelry website. I talk to XXXX. XXXX said they received their money on XX/XX/2023 well on XX/XX/XXXX of 2023. I had {$67.00} in my cash app account as XXXX looking at my cash app account it all of a sudden goes from {$67.00} to XXXX dollar so I contact cash app cash app first tries to tell me that the merchant waited almost 30 days to complete the transaction and withdraw the money out of the account, when I told cash app that that was not the case because I had already spoken to the merchant and the merchant had gotten their money on XX/XX/XXXX cash app, then tells me due to a can technical issue that there was more money in my account the one that shouldve been so they took the money out of my account and if you go back and you look at my activities on my account it still saying that the money was deducted out on XX/XX/XXXX they said that was not the case that there was more money in my account this whole time then what I thought. Well, if that was the case during that period of time, I would not have had XXXX dollar charges in my account that were refused because there wasnt any money in my account, if there was more money in there than what I thought, then why was charges denied Ive got transcript and everything that cash app has told me when they first told me that it was the merchant who did not charge my account until the XXXX of XX/XX/2023. Also I have in there proof of what they told me it was it a technical issue that the XXXX had already been paid? Ive also got proof well talk to XXXX and they have received their money and now cash app has taken that money out of my account two different times but theres no record of them taking it out of my account yesterday, except for the correspondence between me and cash app customer service representative, they said also to begin with that they withdrew the money and due to a technical issue they put the money back in my account. Theres no record of them putting the money back in my account and or around the date of XX/XX/XXXX through XX/XX/XXXX and they refused to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient  had taken over possession of my student loan. I never received paperwork claiming they had purchased the loan and it was under their management. I got a letter when my loans were due that I owed my first payment. They also had the wrong graduation date from college so the loan collected interest over  three  years when I could have been paying it. They claim it was the responsibility of the borrower to let them know of any incorrect information, which I understand. But, I told them I had no idea that Navient even existed until they sent me the first bill. So, I was n't even aware they had my loan let alone incorrect information. They said all they could do was take the interest accrued and put it in a separate account and I can pay off the interest it accrued over those  three  years while the rest of the loan sat there and accrued more interest on the principal balance. They said it would be around {$6000.00} that I would have to pay first if I did that and the rest of the loan would continue to get higher since it would accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX # 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 602 A. Section 2, It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: Real Time Group, Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, we were approached by a company led by XXXX XXXX out of XXXX GA, advertising 1 % mortgage loans. We had just purchased our property in XXXX using both incomes. At the time of the claim to provide a 1 % mortgage, my wife was unemployed so the reduction in the interest rate was attractive to me. The company refinanced the loan with my income giving us two mortgages. The payments were made but we got behind on our other debts trying to keep up with the mortgage payments. In XXXX, we filed for bankruptcy under chapter XXXX. The bankruptcy filed a motion to avoid the second XXXX. The bankruptcy was dismissed in XXXX and we did not hear anything from Bank XXXX XXXX on the XXXX XXXX. We were able to modify our XXXX loan which was sold to XXXX and was able to get back on track. On XX/XX/XXXX, we received a notice of intent to foreclose from XXXX Mortgage XXXX. We have not received or hear from XXXX Mortgage since the loan was closed in XXXX. The loan was serviced by Bank XXXX XXXX which we were under the impression that it was sold to XXXX We have not received anything from XXXX since filling the bankruptcy. I am filing this complaint because I believe that the loan was made under fraudulent pretenses, we were taken advantage of by placing us into a loan that should not have been approved based on the one income. Additionally, with the motion to avoid the XXXX, there was no communication that this had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Credit Collections Services, Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : - 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club,  etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company response to consumer: Untimely response
Consumer complaint received 2023-11-24
Company: True Link Financial, Inc.
State: NY
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am unable to date any direct action. I contacted the Trust service and she was unable to give me a password re-set link so I can I can change my PW. 
I am locked out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on thebehalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 have a billing dispute with the  XXXX  whi ch AMEX ha s not managed well at all. The charge is {$63.00} and  XXXX  is claiming it was delivered to my house.     When I look at the documentation supplied by  XXXX  to  AMEX,  is clearly states that this package was left at the front door and we have not received such a package.     I would like to get this matter resolved beca use AMEX is c laiming that I received the package which is not the case, since it was left on a front door some where in the neighborhood by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2018-10-28
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly requested information on 1 ) how to remove escrow from my mortgage account with Caliber Home Loans, 2 ) and have twice requested by written letter it be removed. 

I requested the escrow account be ended on at least 2 separate occasions before I received instructions on the required process. The first was over the phone after I recast the loan following a very large principal payment on XX/XX/XXXX that put the mortgage account well over 20 % equity. That was followed by messages submitted in the online messaging center and over the phone in XX/XX/XXXX and XX/XX/XXXX. This was a long, drawn out process due to the fact that at every step of the process I was given incomplete information ( e.g., it took two months and multiple requests for the required recast request form to be sent. When I submitted the recast request, I included a note to remove the escrow. This was ignored. Eventually, I decided to wait until my homeowner 's insurance and property taxed were paid before removing the escrow account. 

On XX/XX/XXXX, I sent a signed letter with the instruction to remove my escrow account to the address provider ( Caliber Home Loans, Inc Attn : Escrow, XXXX. XXXX XXXX, XXXX, Ohio XXXX ) On XX/XX/XXXX, I sent the request again via certified mail which was delivered on XX/XX/XXXX at XXXX XXXX. 

I am today filing this complaint with the Consumer Finance Protection Board and sending a letter ( via certified mail ) to Caliber 's inquiry and dispute address : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on thebehalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.

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 2017-05-13
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my mortgage in  XXXX     2017. Wells Fargo has not provided me any bill whatsoever and when I call there   XXXX   number they are unable to help. I do n't want my credit score negatively impacted because of their inability to get me a bill. All I want to do is pay my mortgage. It is very simple but they seem e ither incompetent or unwilling to assist.

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 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I traded my new car on XX/XX/XXXX. A " XXXX XXXX XXXXf '' was sent electronically ( EFT ) to Truist ( formerly BB & T ) on XX/XX/XXXX to payoff the vehicle ( XXXX ) ( VIN # XXXX ). 

Truist refuses to accept or honor the payment based upon the payoff from quote the XXXX XXXX XXXX system. I am due nearly {$850.00} in equity from the payoff but as each day passes I am losing {$30.00} a day in interest payments as the loan is still not showing paid off. 

The payoff shows {$51000.00} at the time when the EFT ACH was sent electronically. Also I can not get my warranty refunds from my original loan on the vehicle from either the Dealership I purchased the new car or the XXXX and I am losing the pro-rata warranty return rate each day Truist does not accept the EFT ACH payment.

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 2022-04-27
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I contact them to erase incorrect information since investigation took longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: MD
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX h

as 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am being repeatedly called in an autodialer system and harassed for a 8 yo fraudulent XXXX loan. 

The XXXX  lender was not legally permitted to operate financial lending services in my state of residence, therefore negating the loan. Additionally, the statute of limitations has passed on this debt in my state. The collection agency involved is practicing illegal collection tactics. 

They call me almost five times a day and do not identify their company or for what matter they are calling about. 

In my most recent call, I was told I was fraudulent in some manner. I told her she was contacting me unlawfully and hung up the phone.

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 2017-05-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request for mortgage assistance/ modification in  XXXX     2017  to  Ocwen  Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time.   I submitted the documents as requested. Suprisingly, I received a deficiency notice from   XXXX   XXXX   XXXX   on    XXXX   XXXX  201   7, esta blishing a foreclosure date o f   XXXX   XXXX    2017  a t  XXXX   XXXX . To date  (   XXXX /17    ),  m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA  1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a Hard Inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX or XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. 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 explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I mailed a certified letter to Dillard's/ Wells Fargo . The letter explained the inaccurate reporting on my consumer report. According my consumer report from XXXX and XXXX this credit card account was charged off in XX/XX/XXXX. According to IRS Publication 4681 you must report canceled debt as gross income on your tax return. The lender must file Form 1099-C and send the consumer a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. I never received Form 1099-C. Dillard's/Wells Fargo is in violation of 15 USC 1681 s-2. I requested my copy of Form 1099-C and the deletion of the account from my consumer reports. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX in which they stated we are unable to complete your request because if can not be determined what information is in dispute. I resubmitted the letter I sent with highlighted areas of concern. Dillard's/Wells Fargo responded with a letter dated XX/XX/XXXX stating that the information is accurate. Dillard's/Wells Fargo did not provide accurate information necessary to validate my request.

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