BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous complaint filed with CFPB back in XX/XX/2020. 

Fees were not fully refunded when balance was paid in full. 

The company continues to contact me on my cell phone when I previously advised them they are not to contact me on my cell phone. 

They are charged me fees on top of fees which has amounted to additional late fees and finance charges. 

They have also called me and failed to disclose that they are calling to collect on a debt which is a violation of the Fair Debt Collections Practices Act. ( Mini Miranda ) When I called out the regulatory violation the representative laughed at me and called me a liar and said I did not know what they were talking about. 

They also did not disclose that they were recording the call or not, if they were that is a violation of TCPA where it is a requirement to advise a caller they are being recorded. 
I attempted to record the call but unfortunately it did not work. 

The numbers they call from are either Blocked or masked numbers which I believe is also a violation of TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: GA
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:
This account is an old account started in XX/XX/XXXXbut closed in XX/XX/XXXXbalance {$5300.00}. This account is more than 9 years old from Home Depot. At this time the 3 credit bureaus are showing that this account is active as of XX/XX/XXXXwith XXXX XXXX on my XXXX  credit report. In actuality, on the other credit reports there is proof that this the amount of this debt was lowered and closed as of XX/XX/XXXXby Home Depot. Home Depot stop credit reporting this account as of XX/XX/XXXXand passed it to XXXX XXXX. I have not heard from XXXX XXXX or Home Depot please remove this debt from all bureaus and add the points FICO points back to my credit score accordingly.

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 2020-07-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been denied opening An account with any account and I need to get it removed off

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 2021-08-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In previously filed a complaint w CFPB regarding the way my loan was being serviced, esp during COVID 19 hardship. I asked to have a new point of contact assigned, as my contact, XXXX, had given me incorrect information & I felt was biased towards me. I received a letter from SLS advising me of my new Point of Contact, but the customer service number provided was only for messages & when I called the alternate number for customer service provided on the recording I was told that XXXX was still my account rep & they had no idea who the person listed on the letter from SLS was. I am requesting the correct contact for my Single Point of Contact & the opportunity to apply for a loan modification plan. More time has gone by now that I was given the wrong information & it will affect my loan modification eligibility. Also in the previous complaint response, I was told to submit a loss mitigation package, but no package was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EXPERIAN IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!

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 2020-10-29
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a veteran and the only one working is my wife and my mother in law which her name also appears on mortgage and on title. As all of us have been affected by COVID19 in addition i have XXXX  XXXX from the time i was in the XXXX and i have a letter from the XXXX XXXX doctor which confirms this. We have attempted to work with Selene Finance for over two years and they refuse to help and now this year is when they knowing that we were affected with the pandemic financially they went ahead as place our house for sale. This company Selene Finance ) refuses to call or help in any way instead they have set up a sale date now during this difficult time. we have submitted a complete file with the little income that my wife is making and the social security income which is what my mother in law receives. Selene continues to delay the process with our attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX has emailed the attorneys XXXX XXXX legal many times and each time they are back and forth without a care that we may lose our home. We need this reviewed by CFPB please we need help. Also my loan belonged to XXXX XXXX however for the sale date the attorney made a change to remove my loan from FHA XXXX XXXX to avoid helping us for COVID19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Professional Recovery Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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 am a victim of identity theft. XXXX XXXX XXXX, XXXX has fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX-Capital One Bank sent an email stating it was restricting my joint account due to unusual activity. My name is XXXX XXXX XXXX is the other account owner. The reference number is XXXX. I received my XXXX back pay on XX/XX/XXXX into my checking account to the tune of XXXX. I fought in XXXX in XXXX and the aforementioned payment was the first payment ever received. I am XXXX years old on my last years of life and XXXX has been by my side helping me to fight VA for years. Once the money came in, I proposed and purchased her an engagement ring. I paid her bills XXXX I purchased a truck. First ever. Then XXXX XXXX shut me down leaving her personal account in ruins also. I want to close my account and have capital one explain to both of us why they XXXX  profiled us and did this to our account. I have notified the veterans administration about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020, reached a 1 year deferment due to Covid-19 for 1 year ; however mortgage company is reporting to credit agencys that Im in default of mortgage and that there is no pandemic deferment in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting calls from Medicredit for a phantom debt that I dont own. They claim that I have medical debts from the XXXX XXXX which I have never visited. I researched the company to check if it was a scam call. The company is real and has had many instants of hounding people for phantom debt. I refused to contact the company since my research advised against it, warning that if you verified you phone or other person info they would go after you more aggressively. I have been receiving these phone calls about three to four times a month since the start of this year 2020. The most recent call was this week XX/XX/XXXX. Please stop Medicredit from going after phantom debt. I have worked hard to have good credit and I dont want a fabricated debt bring that down. I finally payed off my student loans this year so its been really bitter sweet to have to deal with Medicredit falsely threatening the credit score that Ive work so hard on with regular payments of my student loans.

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 2020-02-24
Company: The Bureaus, Inc.
State: MD
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:
This collection agency was disputed via credit bureau which notified me that the collection was valid. I have not received any verification of the validity of this collection from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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: Information belongs to someone else

Complaint:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Commonwealth Financial Systems, 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:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: MEGASTAR FINANCIAL CORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/29 spent 1.5 hours on phone with loan service company trying to resolve. This company has put me on a restricted payment status with no missed monthly payments. All that I requested is to be able to pay online and to have no restricted payment demands imposed on me. While on hold with company I spoke to three representatives and was transferred multiple times having to explain the situation each time. When transferred to supervisor I was given a voicemail inbox. If the company successfully imposes certified check demands on me the cost of certified checks is {$8.00} each which effectively makes my loan {$2800.00} more expensive over the life of the loan. I am also on XXXX XXXX and was never given warning of restricted payment status where I can only pay by certified check. This company is literally making my life so difficult all while on XXXX XXXX in an already stressful environment. Because of this companys inability to resolve this problem I will be submitting CFPB complaints daily until this company is responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: WELLS FARGO & COMPANY
State: NJ
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:
My complaint is with Wells Fargo Bank because I feel they are not doing enough about my fraud claim. On XX/XX/XXXX, someone hacked into my on-line account and stole {$700.00}. the money was XXXX to XXXX XXXX. I have no idea who is this person, XXXX XXXX. There is a reference number. I notified the bank immediately. They told me it would take 10 days to complete the investigation. I called Wells Fargo today only to find out they had closed the account and stated that I had authorized this person to take my money. They started another investigation which will take another 10 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 2020-05-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I submitted a dispute with XXXX to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, XXXX  closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Lockhart, Morris & Montgomery Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18, I was getting preapproved for a home loan. The loan officer called me back and told me I was denied for low credit score and that there was a debt collector that had sent me to collections in the amount of over {$6000.00}! I told her I had no knowledge of it and I will try and straighten it out. I filed a dispute with the credit bureau and told them that I didn't have any knowledge of the account. They're investigation turned out in favor of the company Lockhart Morris and Montgomery, with them telling the credit bureau the account belonged to me. I then wrote the company on XX/XX/18 disputing the account and asked them to verify it and send me any paperwork that I had signed with them, Lockhart Morris and montgomery and they sent paperwork to me from XXXX XXXX. They still didn't tell me who they were. So I rewrote them again disputing the account and asked them to send me paperwork from them showing I signed anything with them. This time I decided to call and spoke with XXXX XXXX on XX/XX/18, and I asked him when did they send me a letter or had their first communication with me since I am the cosigner on this loan. It took him several minutes and when he returned back to the phone he told me that from what he could tell, they never sent me a letter not have they communicated this debt to me. So I sent them another letter dated XX/XX/18 where I told me they had violated the FDCPA guidelines and they sent me another letter that I received on XX/XX/18 and they responded back saying they were not going to investigate it and that the letter was similar in nature to the other letter. This is a false claim because the other letter was dealing with me disputing the letter and calling it fraud because I had no knowledge of it and the latter dealt with the FDCPA violation ; two separate letter two different reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation