BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services , LLC Re Account # XXXX ( Part of 1st Letter sent Carrington ) Back around XX/XX/XXXX. 
Have many a few calls to your customer service # and they have been No help explaining Per your statements it appears you have charged us in XX/XX/XXXX, {$870.00} for a Property Registration Billed. Please why have we never been charged anything like this since the loan originated in XXXX? Why is that XXXX County Assessors office have a record of it. If not them Why was it not filed with the Clerk of the Court, I saw no record there either? This a fee appears only to be charge for Vacant Land ' -- -Then in their response of XX/XX/XXXX [ Based on County Records the property was vacant XX/XX/XXXX thru XX/XX/XXXX ] but then charge us in excess of 5 years later. I contacted the XXXX Property Assessors Office again and they stated they have no record of this or any fee received. He did stated is that was true they 1st remove my Homestead Exemption which they did not I have all those reports to prove that. I also contacted Clerk of the Court again and still no records. I also contacted local utility and though they can see I have continues service if I was the individual I need to come in main office to get those.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase closed my XXXX card due to no use. Then a month later ( XX/XX/2018 ) they did a hard inquiry and issued another account. 

I asked for the application since I did not apply. They are saying I need to file a police report and jump through a bunch of hoops to get the information they claim they received. 

They did close the account, but they did not remove the hard inquiry from my account. 

I did nothing wrong, why is it so hard to get a copy of what they claim they received. It is on my credit report and I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent OutsourcingXXXX has contacted me via USPS for a debt that does not belong to me. They told me that I owed this particular debt to a XXXX which is not true. How can these people be permitted to operate and send these bogus letters to people? When I called them they continued to state that I owed in excess of {$700.00} for a bill not paid. Clearly a huge mistake. While I was speaking to them I looked them up and realized that they are not a valid company. I also confirmed with XXXX that this charge is not valid.

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 2020-06-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/20 we paid our XXXX mortgage. On XX/XX/20 we requested 3 month payment suspension through Wells Fargo 's website as per the CARES act. 

Wells Fargo is now claiming that the 3 months payment suspension started retroactively in XXXX and our payments resume on XX/XX/XXXX. 

Our understanding was that the payment suspension began at the time of the request. Wells Fargo claims they have interpreted the CARES Act to mean that all payment suspensions started in XXXX regardless of when they were requested. This is ridiculous because we already paid XXXX. They offered to return our XXXX payment but that seems like moving backwards. 

Essentially they are trying to limit my 3 month suspension to 2. If I extend it by 3 months it'll be limited to 5. If I end up needing to extend it to 180 days who knows what they'd do. Essentially they're making unilateral decisions about how the law is interpreted and implemented. 

The CARES act specified that payments can be suspended for up to 180 days if needed. If my mortgage company is attempting to limit and thwart that, isn't that illegal?

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 2021-07-19
Company: Zillow Group 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not provide written or electronic consent to Zillow Home Loans, to authorize a Credit Hard Inquire on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As a Wells Fargo Customer I deposited check on XX/XX/XXXXand a check on XX/XX/XXXX. The deposits where very similar to usual and customary. Wells Fargo gave me a deposit receipt showing funds available on XX/XX/XXXX andXX/XX/XXXX. Wells Fargo received funds from the depositary institute onXX/XX/XXXX, and XX/XX/XXXX WELLS FARGO HELD MY MONEY FOR 10 DAYS AND CHARGED ME {$170.00} OF OVERDRAFT FEES.

Wells Fargo placed a 8 day hold on one the check deposited XX/XX/XXXX, Wells Fargo put a 10 day hold on the check deposited XX/XX/XXXX. I called the XXXX on XXXX, and spoke to a representative that said they would follow up with the Branch that accepted the deposit. No Follow up! I called the XXXX number as a follow up on XX/XX/XXXX. After receiving incorrect information from XXXX. XXXX gave me incorrect information about Wells Fargo policy. She ten transferred me to XXXX XXXX her supervisor. XXXX then bridged a call with branch assistant manager XXXX XXXX After 2 calls with XXXX she hung up on me.

I had to call back to speak to XXXX, the branch manager. XXXX promised to call the back office holding the deposits. She did not follow up and did not call back.

Each Wells Fargo representative communicated that Wells Fargo did not have the money from the depositary institute.

MY DEPOSITARY INSTITUTION PAID THE CHECKS ON XX/XX/XXXX AND XX/XX/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 monetary relief
Consumer complaint received 2018-06-12
Company: Choice Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was seen for a routine XXXX XXXX at a provider I had not used previously, XXXX XXXX XXXX XXXX. I supplied all pertinent insurance information to the company to be submitted by them with their claim. Months down the road I received a collections notice regarding this visit- apparently the office staff never submitted the paperwork for my procedure. I promptly contacted the XXXX XXXX office directly to inquire, and in no unsure terms was told that it was my fault and they were pursuing collection. It has been well over a year since my visit, and it is still unaddressed and in collections making a derogatory mark.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient falsely stated in the prior complaint that they sent me a welcome letter. 
I never received anything from Navient until XXXX of 2020. Navient 's own responses to the first complaint prove that point that they were contacting someone else in XXXX, TN. Where did the welcome letter go? Who did they send the XXXX [ the prior loan servicer ] information to? Did they sent the welcome letter to XXXX, TN. Again, I have never resided there!!!!!! I have never resided in the XXXX at all. How could I update a company about my address and I knew nothing about Navient or XXXX!!!!! All of my student loans had been deferred to to hardship. I would have handled this IF I RECEIVED ANY INFORMATION ABOUT THE ACCOUNT. Being truthful is the key. I have never received anything from Navient until XXXX of 2020. I told Navient that I did not, nor have I ever resided in XXXX, TN!!!!! 

Unfortunately, since I didn't receive an email, after receiving mail from Navient in XXXX of 2020, it reminded me of my complaint against Navient. XXXX XXXX Old Complaint ], since they had never verified sent any verifications to me, and they certainly would have never contacted me in XXXX, TN. That is not me!!! 

Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX was given access to the account first that means information is being shared. I never logged into that account and entered that address as the representative stated when she provided me with a link to that account. That means not only was Navient sending person information to someone else they allowed someone else log into the account that is scary!!!! I told Navient to I was concerned about this. Verification was never sent to me. Now you have clarified that you or whatever reason sent mail to soneone else, they logged into the account and then they tired to get me to log into it after I saw the address information on the account that did not belong to me. XXXX During this time you report against my credit too while you send mail somewhere I never lived??? Your response said you mailed a welcome letter. What address did you mail it to? Why did I have to file a complaint against you, while you ignored me from XXXX - plus accept credit reporting!!!! Did you verify who that was in Tennessee before you gave them information [ written and electronic ] +-it 's appears not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: SYNCHRONY FINANCIAL
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-02-22
Company: CITIBANK, N.A.
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:
On or about XX/XX/2018 purchase made through this card, Best Buy Visa, with XXXX XXXX. One item was missing from package. Initiated dispute for {$140.00}. Best Buy Visa just advised they are siding with merchant despite merchant not providing any signed affidavit contradicting missing item. Instead some unverified, unsigned and unidentifiable information was provided by merchant. In violation of Fair Credit Act, merchant has done nothing to investigate and merely collected this information from merchant, summarily ruling in merchant 's favor. Best Buy Visa has breached its legal obligations to me.

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 2018-06-12
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is Equifax by sending XXXX written request As XXXX XXXX ( Vice President of advocacy management office )!

However XXXX  Never responded to my request!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The money transfer got cancelled last minute for no specific and valid reason. Refund will take 7 days. Western Union should not have charged my card if they already know that they will cancel the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Portfolio Recovery Associates alleging I owe a debt. The details in the letter are not familiar to me. I called the number on the letter and spoke with XXXX. My plan was to request verification of a debt PRA alleged I owe. XXXX refused to do so with me, claiming she could not verify my personal information. The address I read to her was the same address on the letter that PRA sent to me. She claimed this address ( that the company she worked for sent a letter to ) was not correct and wanted different information. As I do not believe I owe this debt, and I am a previous victim of identity theft, I do not wish to hand out my personal information, especially to companies I do not do business with. XXXX transferred me to XXXX XXXX, an Operations Manager. He also refused to verify the debt with me, he again claimed that the address that the company he works for sent a letter to was not correct, and he refused to verify the debt with me, or put a letter in the mail verifying the debt. I told XXXX I would be submitting a complaint with the CFPB as a result of this phone call and he acknowledged that. The only acceptable personal information to them was my SSN or my DOB. I don't give out my personal information to unfamiliar people or companies, especially information of a sensitive nature. Additionally I found it suspicious that they were not able to verify with the information on the letter that PRA sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: National Check Resolution Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company : NCR ( XXXX XXXX XXXX ) After recieving several calls and voicemails, my sister told me to call this company back. They told her that I owed a debt and they would be pressing charges on me. When I called, they told me I had to pay that day or else they would be pressing charges against me. I was more worried about the warrant and court fees at the moment so I authorized the payment. After doing much research, Ive discovered that this a popular scam and I am deeply saddened. I only have {$270.00} to my name and gave them {$200.00}. As I thought, that payday loan was indeed paid off and I did not need to make any further payments. This payment was made on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
During the months of XXXX, XXXX and XXXX I had fraud committed against me. My card was fraudulently used at several merchants without my knowledge or permission. I alerted my Son and together we called American Express and reported the activity we were assured we had nothing to worry about and they would be credited to the account ... See below DISPUTE INQUIRY NUMBER INQUIRY REASON AMOUNT Denied XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$20.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$98.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$29.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$36.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$28.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$25.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$39.00} However, I just received my bill for this month and noticed they had refused my disputes and now expect me to pay for all of them. I'ma retired widow of XX/XX/XXXXyear XX/XX/XXXX XXXX on a fixed income. My social security does NOT cover this. I was a victim once and now a victim again of American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Report # XXXX Date XX/XX/XXXX Experian has on my credit report as stated back on Previous report that I had auto loans on my credit file from XX/XX/XXXX that I did not sign for or consent to run my credit. 
Experian has yet to provide any documentation of such or any proof of such. 
Experian has not shown nor prove that the credit was applied by me with any consent to run or apply credit under my name. 
I need proof of such auto companies and finance companies that Experian has fraud running in my name with no documentation or proof to back up keeping information pertaining to personal information. 
Experian seems to commit fraud as to and how this information was place on my credit file. 
I disputed the Inquires by Experian as my right and Experian has not provided any proof, documentation, nor any contract as facts or proof as it appears on my credit file. 
I also sent in the companies that are not any I applied for or obtain credit in my name very detail and Experian acts as I did not provide the information to them. Nothing but fraud on Experian Part to the issues.

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 2018-06-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to XXXX XXXX XXXX in XXXX XXXX CA, at age XXXX. 

The school made it seem like a " deal '' and that it was a Sallie Mae government loan. 
I have a deceased parent and was never informed about " Private '' loans. 
The loan was in 2 parts totaling {$70000.00} Now that I have to make payments they will not offer me a repayment program that works with my income. 

I have been placed on a Reduced Plan but Navient still requests I pay {$500.00} a month. 

I can not afford this loan and did not get the job guaranteed to me and do not work in field of study. I only make approx {$24000.00} a year I have reached out for help, but can not receive any. 
This is effecting my personal health and well-being.

Company response to consumer: Closed with explanation