BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX   XXXX {$7500.00} XXXX XXXX {$6300.00} US DEP ED XXXX {$1300.00} XXXX XXXX  XXXX {$110.00} XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a capital one credit card in XXXX of 2018, to this day XX/XX/2018 all 3 of the credit bureaus do not list this account on any report.. I have contacted capital one bank about this they have told me the information was sent to all 3 of the credit bureaus, i.e., XXXX, XXXX, XXXX on XX/XX/2018, as of this Day XX/XX/2018 the credit bureaus say they have nothing?? I went through a chapter XXXX Bankruptcy " Due To Medical Bills '', I have since been Rebuilding my credit, and this missing account that is not appearing on my credit reports is hindering my success at rebuilding my credit reports and my scores.. " All I'm asking is that Capital One Bank report my current account with the Credit Bureau 's '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-12-02
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Collections have falsely listed multiple collections accounts on my credit report. I have never heard of this agency nor do I have any knowledge of these accounts.

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 2020-12-02
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of Equifax Data Breach. I demand to Deleted those account ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX ) referred me to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) in XX/XX/XXXX over a {$600.00} medical bill. This bill is supposedly for services rendered in XX/XX/XXXX. 

However, I never received a bill from anyone not on the date of service, and certainly not over the last year. I am XXXX XXXX military, and obviously move routinely. It appears XXXX may have been sending all my personal information to an old address that someone else now has. Neither company can explain to me what the bill is for. 

Thank you, CFPB, for the great work you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
There was a few payments missed so Mr. Cooper sent me a loan modification. Any back payments owed would be pushed to the end of the loan. I mean that is one of the points of a modification. All terms, conditions, and payments were met as we completed 3 trial payments in the amount of XXXX for three months which were XXXX XXXX and XXXX. Post mod first payment due XX/XX/2020 which is stated in our contract.. Our Mod papers papers were signed XX/XX/2020 with notary. We submitted our XXXX payment and was told we still owe for XXXX because they locked in the mod on XX/XX/XXXX. They can't account for payment but said it was received. That it went towards another payment. But it's not sitting in any suspense account. It's no way it was applied to anything because pre mod our payment was XXXX and trial period payment was was XXXX. They do not take partial payments. Our balance now shows for XXXX and XXXX. Our post mod payment is XXXX. The representative told me that maybe because of the pandemic things where slowed down. That has nothing to do with me. We met our obligations. Now they are hassling us for a payment that was already paid. Where did our payment go and how was it applied? Does it matter what date they singed their mod papers we did what they told us to do. We did everything right we had our contract signed by notary that they sent out and completed everyting by the times and dates they set. Now we are put in a very tough situation because now they want us to either pay 2 months or pay XXXX for 3 months to pay an XXXX payment that was clearly paid. They did not meet there obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Real Estate Agent XXXX XXXX was currently working with Paramount Residential Mortgage Company, PRMG Loan Officers XXXX XXXX NMLS # XXXX XXXX XXXX NMLS # XXXX On two of these files, XXXX recommended the use of a credit repair service in order to raise the clients credit. This resulted in the credit repair company stealing the monies from both clients and XXXX did not want to help with the situation after his recommendation. 

This occurred twice. The last file I removed from XXXX XXXX office in order to close with another financial institution. 

XXXX has been doing this to clients with no reprocussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One XXXX : This need to be removed from my credit report. I no longer owe this debt. This debt has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
On XX/XX/XXXX {$680.00} was loaded onto my Nevada unemployment card. I went and purchased cigarettes from a XXXX down the street from my house in XXXX, NV and went to bed. In the morning, when I went to use the card, all of the money had been removed from an atm in XXXX XXXX, NY. I immediately contacted Bank of America and notified them of the fraudulent charges. They closed my card, ordered a new one and opened a claim to look into the fraud. When I received the new card on Friday XX/XX/XXXX, I was unable to activate it as my entire account had been closed due to fraud and there was no way for me to reopen it. I was instructed to contact unemployment. I called unemployment, they instructed me to send a copy of the front and back of my driver 's license and social security card to them and that one of their investigators would look into the issue and that I would not be getting paid but to keep filing. They could not tell me why I had been flagged as fraudulent or how long it was going to take. I called back today, XX/XX/XXXX as a payment was in fact released to my account for this week and I wanted to know where it would go. The gentleman informed me that I would have to wait for their system to recognize I was due a paper check which could take months.

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 2020-05-14
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I submitted a complaint via the CFBP to XXXX XXXX XXXX asking them to validate the alleged debt in the amount of {$170.00} that is reporting negatively against my name and social with all three credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX responded by saying " Dear Ms. XXXX, We are in receipt of your complaint submitted to the CFPB on XX/XX/XXXX regarding an account placed on your credit report by our agency. Please be advised that pursuant to your concerns, and according to Texas Law, we have placed your account on a disputed status, and have ceased collection activity against your account ending in XXXX. Our records reflect that your account ending in XXXX due to our client, XXXX XXXX XXXX XXXX was placed with our agency, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Your account was placed with our agency with an address in XXXX, TX, which is where our agency mailed you collection notices. Our records further reflect that we placed numerous telephone calls to your telephone number ending in XXXX with means to advise you of your account being placed for collections, but we were not able to reach you. Please be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. As per your claim that our agency is not authorized or licensed to collect in the State of Texas, please be advised that this is not an accurate claim. We are properly licensed in the State of Texas as Retrieval-Masters Creditors Bureau , Inc., as well as all of our assumed names including XXXX XXXX XXXX XXXX. Should you have any further questions and/or concerns, please do not hesitate to contact us. '' I am unclear as to what actions were actually taken to resolve the issue. XXXX XXXX XXXX  stated " ... .lease be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. '' Does this mean the alleged debt has been or will be removed? More over, I was sent a validation of the debt via mail. The communication received from XXXX XXXX  XXXX is address to an XXXX XXXX XXXX. I am unaware of who that is as my middle name does not start with and has never started with a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice of debt from Convergant on XXXX XX/XX/2020, The lettter was Dated XX/XX/2020 on XX/XX/2020 I sent a certified letter via USPS notifying Convergent that I want the debt validated not verified. As of this date, I have not received a letter from Convergant acknowledging receipt of that letter. On XX/XX/2020, I called Convergant and asked if they received that letter, they said that they did and sent out a verification of the debt. NOT a Valiudation. Was told by the rep, that since they do not report to the Credit Bureaus, It was my understanding that they did not have to follow FCRA regulations.The collection agency stated they are representing XXXX and that they were not a collection agency If they can not remove the collection from their database.

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 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.

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 2020-05-14
Company: Experian Information Solutions Inc.
State: NH
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 contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with Experian did not show any updates once completed. The reports I filed with XXXX  and XXXX  have not been resolved or responded to after a considerable amount of 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 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've just spent the last 3 hours at a Bank of America branch at XXXX XXXX and XXXX in XXXX XXXX, Ca. The business transaction that I initially visited the branch to complete was not accomplished in a timely manner due to my Business accountnot being labeledproperly. I opened XXXX XXXX ) business accounts online in XX/XX/2020. I sent all required documents showing me as the business owner. Today, I went into the branch to process a wire transfer. Upon attempting to verify my information as the business owner, I was advised that the account was owned by my spouse and I was listed as an " employee ''. Once I pointed out the direct deposits received are paid to the order of myself and ( not ) my husband, she understood but did not attempt to offer a resolution thatwould resolve the mistake made by " the back office ''. I've spoken with business banking over the phone on numerous occasions and was never advised that I was not the owner of my accounts. 

Then, I was advised that I would not be able to proceed with my businesstransaction unless my spouse visited the branch in person. So, I stated the account should not have initially been in my spouse 's name, seeing as though he is " not '' on any of the corporation paperwork. I also had to advise them that I am a XXXX business owner and I did not feel comfortable with continuing to do business with your bank or entrusting any additional business to their banks. 

I own a residence near this location and was considering refinancing my home and cars with your bank. I no longer have faith that their banks will securely handle my securities. In my 25 years of customer service experience, never would I imagine going through this type of ordeal and exhausting ( 3 ) hours of my day attempting to fix the issue and wire funds. 

Your immediate attention to this matter is appreciated. 

Best Regards, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, ILS ( 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 2018-03-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX haven't been updating my information ( Credit Score ) since XX/XX/2014.

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 2018-09-24
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA home loan and my loan servicer has been Dovenmuehle Mortgage since XXXX of XX/XX/XXXX. Every month, I pay into an escrow account and they are supposed to pay my home insurance company. Dovenmuehle Mortgage did not pay my insurance premium and then bought insurance through their company at 3 times the rate. Every time I call to try to resolve this matter, I'm given the run around and nothing gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from TD Bank verifying whether or not I opened a bank account. I called them immediately to let them know that I did not open the account. My SSN was used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Deleted those account ASAP or I will file a litigation.

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 2017-12-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX, I sent a letter to this collection agency by the name of XXXX XXXX. I requested information on a debt in the amount of XXXX that is on my credit report and have no knowledge. I requested an identity theft or fraud packet to fill out and send it to them to investigate who opened this account in my name on XXXX of XXXX. Today is XXXX/XXXX/XXXX and this collection agency has not replied back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hold a home mortgage with Wells Fargo, and they have been on autopay up until XX/XX/2020. Wells Fargo offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or companies did this.

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