BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this creditor says i owe them a debt. i do not owe them or is liable for that debt i asked for validation with our original application and haven't received it yet it is not mine this is a violation of fdcpa sec. 807

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Capital Link Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I constantly keep receiving texts from someone claiming I owe a debt to this company. I have never received correspondence by mail in order to verify the accuracy of this debt. Some number just constantly texts me. I will not respond to a debt collection text message. Its not safe nor does it protects the privacy of me as a consumer. Once I receive a correspondence by mail, I will then verify the debt before proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I HAVE HAD ISSUES WITH BMO 'S SERVICING COMPANY FOR OVER 5 YEARS, THIS IS MY 3RD COMPLAINT. 

INITIAL RENEWAL THRY SENT ALL MY PERSONAL INFORMATION TO A LANDSCAPING COMPANY WHICH SHOULD BE ON THE CFPBS RECORD. 

SECONDLY PAST TWO YEARS THEY KEEP ALLOCATING MY PAYMENTS INCORRECTLY, YEAR END, RECIVED NO YEAR END INTEREST STATEMENT. 
CALLED SERVICING COMPANY FOR BMO/ XXXX XXXX XXXX XXXX ON ; Y TO FIND OUT THEY HAVE BEEN AGAIN ALLOCATING MY INTEREST ONLY PAYMENTS WRONG. 
THEREFORE WHEN I WENT TO DO MY YEAR END TAXES, I HAD TO REACH OUT FOR CORRECTION WHICH IS STILL IN PROCESS. 

I BELIEVE THEY HAVE STRAYED FROM BEST WORK PRACTICE, CODE OF EHTICS AND THE TERMS AND REGULATORY STANDARDS OF MY AGREEMENT. 

I REALLY BELIEVE I AM ENTITLED OR SHOULD AT MINIMUM HAVE THIS LOAN FORGIVEN AND OR WITHDRAWN DUE TO 5 YEARS OF NEGLEGENCE, AND THE DISRUPTION WITHIN MY TAXATION RIGHTS, DEPT. OF TREASURY : LASTLT, I RECIVED NOTICE THEY WERE CHANGING SERVICER IN 2020 AND THEY NEVER DID, KEEP SAYING STILL IN PROCESS :

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 2020-12-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I did not receive a bill for my outstanding credit card debt with Wells Fargo. This is hurting my credit score and it is very tough to make payments with the global pandemic happening. I owe them close to XXXX $ and I haven't been able to pay since XX/XX/2020due to financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, 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:
In 2017 my wallet was stolen. It contained my drivers license, social security card, credit cards and other information. I have contacted the companies, filed a police report, and contacted all of the credit reporting agencies. I placed an extended fraud alert. The other 2 agencies removed the fraudulent inquiries. Equifax removed some but not all of the fraudulent inquiries. I have sent the required information to them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This credit union is offering rates and " customized '' quotes on their website, but the actual rates and lender fees are significantly higher than offered, and what the website prompts you to apply for. The loan officer had no explanation for why the actual rates are .25-50 higher, plus discount points added. 

The credit union adversely impacted my credit rating by inquiring to the credit bureaus under the false pretenses of offering a rate and closing fees that they were not willing to lend at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Mountain Run Solutions, LLC
State: CA
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:
I am the victim of identity theft. The collection agency stated that someone added my name as a authorized user for a fraudulent account. The collection agency is now trying to hole me financially responsible. I have already filed a identity theft report with the police department & forwarded to the collection agency. There response was for me to go find the person who stole my identity and hold cause harm to them. The collection agency name is Mountain Run Solutions : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX UT XXXX. 

The collection company stated this was the debt of a business. Ive never owned a business.

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 2020-08-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Victoria 's Secret Angel VIP card with a relatively small credit limit. I live in New York where we were ravished by the carnivorous pandemic. Unable to make it into the store to make a payment and an issue with the online payment system I received a few late fees and late reporting on my credit report. Considering all that has happened I am looking and hoping to have the fees reversed and late payment marks removed from my credit report. 

The CARES Act calls for agreements and accommodations '' between the lender and the consumer. I am asking a relatively modest request by waiting of late fees and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I want to file a formal complaint against Wells Fargo Bank. My issue is about their XXXX transaction. Wells Fargo is not taking any accountability on this issue. The same problem started back in XX/XX/XXXX, and it lingered until XX/XX/XXXX, and it finally got resolved. 

On Wednesday, XX/XX/XXXX, I tried to send money to a friend of mine in the amount of {$85.00} using XXXX. When I hit submit, it prompted me to validate my information. 

The same problem happened back in XX/XX/XXXX. I have already validated my information. I have had the same phone number and devise for over five years now, and nothing has changed. 
I called Wells Fargo, and nobody is taking accountability on this issue. As far as they are concerned, once the ticket is open, I will have to wait for ten days to get it resolved. Most likely, no one at the bank will call or follow up with me, and I did all the follow-ups. So, the ten days to solve their technical glitch is not valid. 
I am the one who does all the follow-ups. Otherwise, the bank will not let me know if they solve this issue or not. The bank must take the accountability and make sure the XXXX programming issue on the backend is working to avoid the same issue repeatedly. 

This is my XXXX XXXX # : XXXX. This was opened on XX/XX/XXXX. 

I appreciate you looking into this matter. 
Please advise. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

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 2022-04-01
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Jefferson capital system XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear Jefferson capital system I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Im writing this letter to file a formal complaint. You are reporting inaccurate and misleading credit information on my credit report. 

Thus, the inaccuracies and misleading information your company is reporting is placing me in distress. I demand that your company use reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get a call every day at approximately XXXX am on my work cell. I have to answer all calls on this phone. I informed them that they were contacting me at work and I demanded that they contact me only in writing by sending me a letter. The man on the phone became irritated and told me that the phone calls would not stop. I told him, that I am aware of my rights, I am clearly telling you to cease and desist all communication at work that I can not receive calls on my work phone. He told me again that he ca n't make the calls stop and they will continue, even if he sends me a letter. 

I received another call this morning from the exact same number. This is every day, multiple times a day at the exact same times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Ability Recovery Services, LLC
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:
I have reached out to XXXX the creditor by email and they confirm they have removed/ flat cancelled two accounts.The collection agency is unresponsive and will not remove one of the accounts from my credit report. I have called and they hang up on me. I do have it in writing from XXXXXXXX XXXX the creditor I am hoping that someone else can intervene and help me resolve this issue and finally get it removed. I have been trying to remove this debt from my credit report for XXXX years with no success. I appreciate your help thank you.

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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are several inquiries on my report that I did not make. I have been a victim of identify theft in the past and I fear these inquiries may be an attempt to obtain credit in my name. I placed a credit freeze to third party sites 30 days ago and I am still getting offers and inquiries added to my report. There is inaccurate information on my report and this makes me even more vulnerable to identity theft and adverse actions.

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 2021-05-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I signed up for an American Express XXXX XXXX card during the checkin for a XXXX flight. The card offered free bags for the flight. 

However, the Amex application said that while the card was approved, it was not ready for use. The Amex application site then said that instead of free bags for the flight, a {$90.00} credit would be provided on my first statement. 

However, I never received this credit. Amex told me to contact XXXX. XXXX informed me that it is an Amex offer. I informed Amex, but Amex declined to honor the offer and closed the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in 2019. It was a fixer upper. It appraised for {$240000.00}, and I took out a loan for {$200000.00}. I put over {$60000.00} into the home and had it re-appraised at {$320000.00}. I submitted my appraisal and a request to remove my escrow account to my loan servicer, SP Servicing. They are denying my request because they are calculating my Loan to Value from my original loan amount ( XXXX ) vs. my current loan amount ( XXXX ) and NOT using the paid appraisal that I ordered out of my own pocket. They are trying to say that my loan is over 80 % because XXXX/XXXX is more than 80 %. It should be {$200000.00} ( current loan amount ) / {$320000.00} ( current proven appraisal ). I've been fighting with them for over a month to get this done, and all they do is give me the run around and no answers, or a denial. They are using false data to create numbers that are not accurate on my account. Also, they applied an escrow only payment to my principal balance forcing me into an escrow shortage. I had to fight them to re-apply funds correctly - and I'm still paying the escrow shortage. I've also been told by their customer service team that I can " Just pay my principal and interest only '' on my loan a not my full amount every month. This would cause me to have a monthly shortage and cause me to go into default. This is BAD information to be giving out to the general public when it's FALSE information!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I sent a check via the bill pay service at my bank for {$30000.00} to Roundpoint Mortgage Company. Roundpoint cashed the check on XX/XX/XXXX. Now two weeks later Roundpoint still has not credited my account. 

First they said they never received my check. I then sent them copies of the front and back of the cancelled check. I was then told the check had been misapplied and that they would correct the error. They still have not posted the check to my account. 

I have called them numerous times. They have never initiated contact with me despite being told they would. The results of my calls have varied from them suggesting I probably did not send the check as I claimed ( they said this happpens all the time ) to being promised that they were posting the funds as we spoke. 

Is there something your department can do to assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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:
good night dear agency, i come here to apologize to you guys for lying to you and saying i didn't know the doubts of my account, i really want to pay XXXX  XXXX please send them back to my account i'll pay all of them thank you very much

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 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
good night dear agency, i come here to apologize to you guys for lying to you and saying i didn't know the doubts of my account, i really want to pay XXXX  XXXX please send them back to my account i'll pay all of them thank you very much

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 2021-04-13
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to trade my vehicle for a XXXX, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name. XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX  XXXX {$10000.00}

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