BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper has charged me for a Valuation service ( BPO ) in the amount {$190.00}. I was not made aware of this charge at the time forbearance plan. In addition Mr Cooper suggested i do not make payments and refused to take payments while in " Modification period ''. The company pressured me to sell the property or face foreclosure before a family member helped me with amount due ( over XXXX ) There is also a {$25.00} fee that they are trying to charge, they refuse to send written proof of fee. The {$25.00} fee is a technical error on their behalf. 

They did respond with a letter for the fee 's, its was generic letter not showing me where they disclosed of signed for the {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Affirm Holdings, Inc
State: SC
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NJ
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 XXXX, XXXX  Collection Agency- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I attempted to cash out {$32.00} from a XXXX XXXX account I had set up. After entering my PIN number I was prompted to identify my bank. I felt this was unusual so I started the process again. After several attempts I XXXX   XXXX XXXX Customer Service and a XXXX XXXX number came up as a customer service number for XXXX XXXX. After speaking to the individual, we engaged in a series of questions involving the credential of my account. The individual indicated that he would have to access my phone to see what I was seeing. Once this took place and I entered my PIN a series of transactions begin to hit my PNC account and within two minutes I was receiving calls from PNC and my checking and savings account had a XXXX balance. I continued on the phone with this person for another 30 minutes as he assured me these were random test amounts. I walked to the closed PNC during this phone call which was located on the corner of XXXX and XXXX XXXX, XXXX. Washington DC. A bank customer service rep took the phone and immediately detected it was fraud and discontinued the call. She also noted my account of the call. A fraud report was issued with the bank. XXXX XXXX did not respond to any emails sent to the company by me and informed the bank that I did have a XXXX XXXX. Needless the say the bank informed me on XX/XX/2019 their investigation found the charges valid and debited my account {$1200.00}. This is the amount removed from my account. Their response was due to the fact XXXX XXXX confirmed I had an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: Continental Finance Company, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is attempting to collect on past due amount of {$130.00} owed to Continental XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to XX/XX/XXXXnot..

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 2024-01-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as XXXX XXXX XXXX, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact care credit but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXXXXXX XXXX XXXX XXXX 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 2020-07-31
Company: COMPUTER SCIENCES CORPORATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I spoke to CSC Logic about paying off my loan and told them it would be paid off before the end of XX/XX/2020 ( which I've made all my payments on time and even worked with them on a covid deferment ). I asked if there would be any additional charges if the loan was paid in full by months end and they said XXXX extra charges. Guess what, they charged me and extra XXXX. I phoned them again today and asked for them to return the extra charges and they said no, we're allowed to charge what we want. Well that is not fair. 

XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Kovo
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kovo the account is closed and I keep trying to put late payments on it. We can do agree with a paid in full and cancel it, and they still trying to put life is on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They called about an old auto loan that was paid off for a lesser agreed amount. Attempting to collect again, would not tell me where to send any documents, he just told me to bring it to court with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi has closed my double cash card account in retaliation for me withdrawing my deposits and closing my checking and savings accounts. They have closed my account without notifying me and without just cause. They have revoked my access to make payments online, and refuse to send me statements. When I call the number on the back of the card to make my payments, their automated system malfunctions and does not allow me to make my payments. 

Since I am not receiving my statements, can not pay online, and can not pay over the phone... I have no way to keep this account in good standing. 

This is purpousful action taken by citi to try to destroy my perfect credit in retaliation for me cussing them out and insulting their intelligence. 

Thay have repeatedly claimed that they will no longer respond to these complaints that I'm lodging, yet continue to respond telling me that the problem is mine to fix, seemingly for the purpose of taunting me. 

Citi has been unreasonably lazy in their " efforts '' to resolve this situation and are refusing my payments. This complaint is intended to put on record that I have repeatedly attempted to pay my bill, which was due yesterday, and that Citi is refusing my 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 explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX ; Experian and XXXX  are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-01-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I believe chase bank manipulated overdraft charges to stop me from being able to withdraw my stimulus check. Chase bank allowed roughly {$1300.00} in overdraft transactions on my account. Chase then only allowed {$57.00} to be covered by their " stimulus overdraft coverage forgiveness ''. Holding back charges that came in before the stimulus check arrived leaving my account in the negative and not allowing me access to the stimulus funds. Chase then allowed another roughly {$600.00} in overdraft transactions. I believe chase bank was misleading with there " pledge '' to help out Americans with the stimulus. I believe chase to be grossly negligent in their handling of their customers money by allowing over {$1300.00} in transactions when there are insufficient funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX BANK XXXX was back in my report! 
- Total of 4 inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way. 

XX/XX/2020 {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a vacation paid for and booked well before the pandemic started. The US travel restrictions went into place 2 days before our trip on XX/XX/2020 as well as the XXXX XXXX closing its boarders. Our trip was obviously cancelled and I received an email from Bookit.com to contact your bank for a refund. I contacted Wells Fargo for a chargeback and to get my money back immediately. They returned my money at first then removed the funds from my account again, claimed they sent me a single letter to sign ( which if I received I would have signed to keep my money ). I then contacted them again after seeing the funds magically gone and they re-sent the letter which I immediately signed and returned. They then sent a notice saying my claim was closed and I am out of the money for the vacation we never went on. I have tried over and over and talked to several managers with no luck. This is crazy to me because I did absolutely nothing wrong, they are just being greedy and very unprofessional. I would greatly appreciate any help with this matter. It is a lot of money to me. 

Thank you for your time

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 2021-08-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Started communication with Midland back in XX/XX/2021 and asked to verify the alleged debt they're trying to collect. They didn't respond within the timeframe and when they did respond it was just a copy of a letter from XXXX XXXX  stating that the alleged debt was sold to Midland Credit. Midland has been unable to verify the alleged debt and I have sent them another letter asking them to verify the alleged debt and I have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX or XXXX my account was hacked and there was several checks deposited in to my account that I didn't authorize was like 4 or 5 deposit of XXXX and XXXX from XXXX XXXX that I didn't authorize so I called my banker she changed my username and password for my account and the next day a banker from wells Fargo called and said my checking account has been locked and I can't withdrawal none of my money out of it to pay rest of my bills so now I'm negative XXXX in my checking and now I owe my light bill XXXX wells Fargo didn't care they accused me of depositing the checks and I don't ever deposit from XXXX XXXX only checks deposit in my account is from where I work

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 2021-01-05
Company: Experian Information Solutions 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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

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 2022-01-10
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:
XXXX XXXXXXXX is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as two transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXXXXXX ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )

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 2023-11-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/22 I went to the Wells Fargo branch in XXXX DE to close an account. There were two employees at the desk ( XXXX XXXX was the main employee ). They stated they could not close my account because they needed to stay at the teller desk despite the fact that I was the only customer in the branch. They recommended I come back another day or visit another branch. I'm not sure why they have a branch with two employees if they are unable to serve customers. VERY FRUSTRATING. 

I stated I would just write a check for all the funds instead of closing. The employees then stated that they'd " hate for me to be charged all those fees if I didn't have the minimum balance '' ... kind of seems like a threat.

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