BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: Visio Financial Services Inc.
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received paperwork stating that the house is in foreclosure but this was during bankruptcy automatic stay company went against the automatic stay and continued to the foreclosure property by ignoring stay. They were still selling the house and closed the bidding when the account was in bankruptcy status ignoring the bankruptcy automatic stay on property The house was placed on the market during bankruptcy. I received a letter after the house was taken off the market but they never to this day advised how much is owed and continue to publish the house for foreclosure after all this time the amount is not accurate and neither one of these parties have a sure amount of what is owed. When I did call they still did not have an accurate amount owed they said they will send me notification as of today 's date there is no notification of the debt owed and how much is constantly different with figures that are higher than normal. The mortgage servicer has placed fees that are unlawful in order to seize the property. Visio and the servicer is not advising the exact amount owed ignored automatic stay but yet they are putting the property back on the market without letting the owner know what is really owed, Not giving the owner time to dispute they are constantly violating the legal right of the property owner. These two companies have two different figures placing property on the market and not advising what is owed. and it is not detailed or structured for anyone to understand what is really owed because of the many fees that are unlawfully placed on the property in foreclosure. Visio is  conducting predatory lending practices and needs to be investigated for discriminatory practices as well. They have deliberately foreclosed property where they advised people that the owner of the property spoken in a derogatory manner by the finance manager XXXX using unlawful tactics in order to seize property the company is engaging in unlawful tactics in order to get property in their possession by the tactics they have displayed during financing and foreclosure the company continue to deceive the owner where they would state that they will renew the terms and at the end of the term refused therefore causing the loan to be in automatic foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX XXXX XXXX regarding a credit card account that was filed in XXXX Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/2018. This site does not seem appropriate for the type of complaint I have. My complaint/concern relates to information sharing. My personal identity and transaction information some how was provided to XXXX. First let me explain that my identity on XXXX is not the same as my banking information. Yet XXXX suggested a person I conducted business with three times through Wells Fargo 's XXXX service as a possible new friend. 

I called Wells Fargo and was unable to speak to anyone who could address this issue. I called the Federal Reserve Consumer Help line and they said that Wells Fargo was a national bank and not under their jurisdiction. I intend to try to contact XXXX executive offices and the FCC but filed with your agency first because the Federal Reserve Consumer Help desk suggested it.

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 2019-02-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX XXXX   XXXX on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The XXXX is an alias for XXXX XXXX XXXX. The XXXX website is hosted on the same webserver as XXXX. XXXX and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XXXX that the XXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: DC
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:
I reviewed my credit report on XX/XX/XXXX and saw inconsistencies with XXXX XXXX Mortgage Account. I submitted and online dispute with Experian. They deemed that the information should be updated and not deleted. This information was not consistent across the 3 major 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 2018-12-18
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I checked my pre-qualified offers on Amex website and got a offer for Amex Gold Card with XXXX rewards points welcome bonus if I spend over {$2000.00} with the card in the first 3 months. I applied for the card after seeing the offer on XX/XX/XXXX, and received the physical card on XX/XX/XXXX. Since I couldn't find information about the welcome bonus on the paperwork and in their app, I contacted customer service to confirm, and was told that my welcome bonus will only be XXXX. I had been transferred to different departments and talked with XXXX different customer service representatives, each of whom gave me a different reason as to why I didn't get the XXXX offer that I saw at time of application. The first CSR told me there wasn't a XXXX offer when I applied, and asked me to provide a screenshot of the offer at application ( which I don't have unfortunately ) ; the second person told me I had an old corporate card that was closed ( which was for one-time use during interview with a company, in order to cover travel expenses ), and therefore my bonus was lowered from XXXX to XXXX ; the third person told me that the bonus offer may change between when I hit the apply button and when the application gets processed. Three people gave totally different reasons, none of which makes sense. I am very disappointed at the lack of transparency and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020 CqpitalOne decreased my credit limit from {$6500.00} to {$1500.00}. I have been a loyal client and have on recurring charge on the account every month {$2.00} plus tax for a total of {$3.00} every month. Other than that I do not use the card or make any other charges. I have a perfect payment history with them and my credit score is good and has not changed to warrant a decrease. I make over $ XXXX a year and I am salaried and an essential worker during these times with no risk of losing my job that I have had for over 9 years. My credit score is going to be harmed due to CapitalOne reducing my credit limit for no fault of my own because my available credit is going to decrease by $ XXXX naturally making my credit usage percentage increase and also showing my available credit as a decrease. I contacted CapitalOne directly to see if they would restore my credit limit and they told me due to current economical times they would not. This is extremely unfair to me as I have good credit that will be damaged because I decided to do business with this terrible company. Again, salaried over $ XXXX per year, long term client, active account with very small recurring purchase, perfect payment history. CapitalOne choosing to decrease credit line due to no fault of my own and damaging my credit score. Extremely unfair. I would like my credit limit restored. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Synovus Bank
State: FL
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 was reviewing my credit and found that Synovus/XXXX on XXXX XXXX had reported a 60 day late payment to credit bureaus after calling and requesting a explanation. Found out that double payments had been made assuming that they would be credited to the following month. That was not case, at that point was ask if we could pay {$61.00} now and that they could put the account in forbearance until XX/XX/XXXX. After numerous calls disputing the late payments being reported to credit bureaus. Which we where never asked to paid during the conversation and told that everything was find until XXXX. We assumed that late payments reported to the credit bureaus would be removed. During one of my calls with the collections Supervisor I was that the late payments started in XXXX of XXXX but where not reported to credit bureaus until XXXX of XXXX I believe as part of the Fair Credit Act it must be reported 100 % accurately across all the credit bureaus it must be deleted. Please remove all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this XXXX XXXX XXXX hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2018-08-07
Company: CB1, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company is attempting to collect a medical debt from a hospital. I was covered by my insurance at the time, and they continue to tell me that I owe money. Furthermore, they make harassing statements to me once a month, with things like this : " If someone owed you money and you sent them a bill, do you think you would deserve a reply? What is it going to take to get you to pay your obligations? '' The most recent correspondence was dated XX/XX/2018 - but I have been receiving messages like this for the past year, if not two. Also, the amount of the dispute is incorrect. They are adding interest and fees that are not something I am going to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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:
XXXX, Equifax and XXXX are reporting 5 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 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 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 2018-12-18
Company: COAST PROFESSIONAL INC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX,XXXXXXXX I contacted Coast Professionals about my student loans that are currently in collections. I spoke with XXXX XXXX and explained that I plan to file bankruptcy XX/XX/2018 however, my student loans would not be included. I asked what my options were at this time to which we discussed loan rehabilitation. I questioned if I needed to wait until after my bankruptcy but I was told it would be best to start the process now. So I paid {$5.00} to get started and called back at XXXXXXXX and spoke with XXXX to fill out the forms and fax them over with my financial information. I was told I also would need to call in today, XX/XX/2018, to make another payment by doing so I would be 2 months already into the program. I called today, XX/XX/2018 at XXXXXXXX and spoke with a woman to make the {$5.00} payment. After I made the payment and asked questions about the status of consolidated loans and individual loans, the woman explained to me that when I fail bankruptcy all the collection activity would stop. I asked her I I had to instead call in to make a payment and she told me that I could not do that while in bankruptcy which would mean I would fail the loan rehabilitation program and would not be able to reapply. I explained to her that I explained my intentions and bankruptcy XX/XX/2018 so why would they tell me it was best to do everything knowing I would fail. Very misleading and dishonest behavior when someone is attempting to fix their financial situation.

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 2021-06-08
Company: OneMain Finance Corporation
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: MidAmerica Mortgage Inc
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was notified on XX/XX/XXXX by mail that my escrow account is in the negative and i owed them {$5300.00} also my mortgage would be going up starting XX/XX/XXXX. I called starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX several times to get a explanation on why my account is in the negative and i was told several different things by 2 different supervisors but no one was completely sure, they asked me to send an email to your department at that time i refused because i wanted to talk to someone in person about this matter, i was then told by both supervisors that my concerns were escalated to the escrow department and someone would be contacting me within 5 business days. Today is XX/XX/XXXX and i have not received a answer yet on why my escrow account is in the negative. Today is XX/XX/XXXX and no one has emailed or called me. I was promised by 2 female supervisors and one male supervisor named XXXX that they would personaly call me back and no one has contacted me at all. I will be sending additional complaints to the necessary over seeing authorities. Because they mismanage servicing and are very evasive to their customers by not returning calls with concerns about what they sent to you and not allowing you to speak directly to the necessary department you call them for, And as i looked at complaints on many websites this issue has been going on for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: WI
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: Was not notified of investigation status or results

Complaint:
I contacted all three credit bureaus through certified mail over 90 days ago requesting them to investigate and remove this hard inquiry from XXXX XXXX. This inquiry hit my credit report on XX/XX/18, I sent my certified letters on XX/XX/18, and never received a response at all. This hard inquiry has put a hardship on my life, caused a great deal of stress and has caused my credit score to decrease drastically!! I have XXXX children that I have been denied credit for a house due to this inquiry. The credit bureaus has violated the FCRA law they have a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 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 2021-02-11
Company: Mercedes Benz Financial Services
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Mercedes Benz Financial, and XXXX XXXX XXXX. The Account Opened is Mercedes Benz Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX XXXX Account Number XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation