BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Western Portfolio Assets
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX my brother contacted me and played a recorded message from a XXXX XXXX that XXXX XXXX was put down as a contact for my account and to have me contact them immediately. He also called my in laws home as well. When I called I was told I was being sued for a debt on a XXXX from XX/XX/XXXX. I said its not on my credit report. What type of card was this? All they would say is its a XXXX. I then said isnt this past the statute of limitations and at this point I was hung up on. I called back and was told clearly I do t want to pay this. I asked whats the company he works for. He said western assets. He hung up again. I Called back and he answered that he refuses to have type of dialogue with me. I have no idea what this is or what is happening other than they are calling family and telling me that Im being sued.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
EquiFax continues to demand highly personal information be MAILED to them before providing a credit report and REFUSES to provide an electronic report as the two other companies do. This practice, to get around government regulations and prohibit me from reasonable access to my ANNUAL report is intentional, and has prevented me from wanting to take the risk to get their report for the past decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: PHH Mortgage Services Corporation
State: WI
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:
My mortgage company, XXXX XXXX XXXX, purchased PHH MORTGAGE. They transferred my mortgage to PHH MORTGAGE which is now a subsidiary of XXXX. PHH MORTGAGE is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped  significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want PHH MORTGAGE to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to PHH MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: WELLS FARGO & COMPANY
State: TX
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:
I received a Wells Fargo Platinum VISA card ( ending in XXXX ) in the mail that I had not applied for. I called Wells Fargo and they told me that someone had applied for the card online. I told them that it was not me and they told me they would cancel it. I asked how someone else could open a card up in my name online, but they would not provide any information. When I asked them to verify that nothing else was opened up in my name, they wanted to verify additional information on me. I called them and had already established my identity - enough for them to cancel the card. I asked what other steps would be taken in this matter - as far as an investigation, credit reporting, but was told that their responsibility ended with closing the account - that is not good enough. Wells Fargo should be going above and beyond in handling customer privacy, especially with all of the recent scandals and missteps they have made. I want additional actions taken by Wells Fargo on my behalf.

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 2020-04-30
Company: Porsche Financial Services, Inc.
State: TX
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:
My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/2020 via telephone and I followed up with an email on XX/XX/2020. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/2020 stating were approved by Porsche Financial and were advised that our next payment would be XX/XX/2020. I have since then made my payments to bring my account up to date. However, Porsche financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called Porsche on XX/XX/20. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. Porsche Financial is not following Care Act guidelines during this national emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: WI
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:
My mortgage company, XXXX XXXX XXXX, purchased XXXX XXXX. They transferred my mortgage to XXXX XXXX which is now a subsidiary of XXXX. XXXX XXXX  is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want XXXX XXXX to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to 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 2021-01-20
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage companies are running me ragged in a circle by saying the next company will received the transferred funds, but it has never met its final destination. I started off with Calcon Mutual Mortgage Dba OneTrust Home Loans ( XX/XX/2020 ) who sold it to XXXX/XXXX XXXX XXXX who sold it to XXXX XXXX ( XX/XX/2020 ). The final mortgage company who had recieved it had not recieved funds from either mortgage company. It felt like the two previous companies don't intend to transfer the funds at all as they keep saying it will get handled, but it never is. I have made two mortgage payments to OneTrust Home Loans of {$1500.00} on XX/XX/XXXX ( recieved via check # XXXX for XXXX ) and on XX/XX/XXXX ( via ACH payment for XXXX ) which was allegedly forwarded to XXXX XXXX XXXX  since they said bought my loan in XXXX. After a bunch of poking and prodding they said that the first payment needed to have the principal of {$490.00} needed to be subtracted. Which would mean a transfer of {$1000.00} ( after doing the math myself ) needs to be transferred from OneTrust Home Loans ( and possibly XXXX XXXX XXXX if they are also adamant on keeping some part of the received funds ). So apparently they indirectly implied that it was my job rather than their accountant 's job to tell them to subtract the principal and and how much of the remaining funds that need to be sent, which tells me that they weren't planning to send the funds to XXXX XXXX at all unless I kept asking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I went to XXXX to send {$530.00} to citi bank to pay my secured credit card bill. It takes 2 days to go to my card. So on XX/XX/XXXX I checked and see if it went on the card. It didnt. So I called citi to find out what's the problem. They saying it's under investigation. So it will be available to you on XX/XX/XXXX. So today is XX/XX/XXXX and I checked. My {$530.00} is not in my account. So I called this morning and now they telling me XX/XX/XXXX. I told them why it's taking so long. They said that's when it's going to be available. I said you told me that the first time and it wasn't. I said if I wait until XX/XX/XXXX what happens if on XX/XX/XXXX you tell me another date. It makes no sense. It's a secured card so that means it's my money not citi.

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 2019-06-23
Company: Americas Car-Mart, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
carmart in XXXX tn sold me a lemon that within 2. months the car started to break down with issues htye couldnt repair i let the car goback since i couldnt afford to continue put the car in shop and not get fixed car was suppose to be sold at auction car was never sold and i was charged with a repossesion on m y credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: MS
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 have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

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 2019-06-23
Company: Aargon Agency, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a medical debt of {$1500.00} owed to XXXX XXXX XXXX company for an incident that happened on XX/XX/XXXX. They billed me to the wrong address and I never received it so it went into collections with the Aargon agency. However, XXXX XXXX never billed my insurance company at the time which was XXXX XXXX. I was having trouble getting the correct documents to dispute the case so that XXXX can pay the bill and in the meantime I had paid Aargon agency 2 payments of {$320.00} on XX/XX/XXXX and XX/XX/XXXX for a total of {$640.00} so that this would not affect my credit. I had been working with XXXX XXXX ( XXXX ) ext XXXX and also the XXXX XXXX ext XXXX at the time. I finally got the appeals department for XXXX XXXX who I was working with XXXX XXXX ( XXXX ) to pay 100 % of the XXXX XXXX XXXX and they sent the whole {$1500.00} to Aargon Agency. When I called Aargon agency to make sure they had received the payment in early XXXX, XXXX had told me they had received it but XXXX XXXX should be giving me my refund which I thought was odd because they have the payment of XXXX. However, when I called XXXX XXXX they had told me once again that Aargon Agency needed to pay me the refund. This has been going back and forth and I have tried to email XXXX at his email XXXX XXXX different times about this and there has been no response. He had told me he sent an email to the department that handles things but hasn't given me any update. Everytime I call I get the same answer and it has been almost 2 months since this was paid in full. I would like to get my money back which I deserve from the Aargon collection agency of {$640.00}.

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
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.

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 2020-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
Comes forth YOUR PETITIONER offers this statement Portfolio Recovery Bought three accounts that were statements were never received prior. These accounts had open disputes and were never addressed. I was waiting on XXXX XXXX to call me back when I found out Portfolio purchased it. XXXX XXXX said these accounts would be deleted with dispute CBR date of XX/XX/2020 but they are still on my credit reports. They have changed the reporting so much I dont believe them. its still there and this has caused me many damages. I have attached the voice conversation as proof! Please help them remove this immediately from my credit report and send me {$6000.00} for damages as settlement Why if they are really deleting it to make me go through this whole call and harass me for it? Why am do I have to ask all these questions. I hope this isnt happening to so many others right now during these times. This has caused me many many damages. I am a XXXX veteran drawing veterans benefits for living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received a folder with a letter dated XX/XX/XXXX, from Chase Executive Office trying to delete the trade line. Absolutely not. I do not want Chase to delete the trade line FROM AMAZON/CHASE CREDIT CARD ACCOUNT ENDING IN XXXX OR ANY ACCOUNT I HAVE WITH CHASE. 
ALSO, MY COMMUNICATION WITH CHASE WILL BE IN WRITING ONLY AS I COMMUNICATED IT WITH CONSUMER FINANCIAL PROTECTION BUREAU AND A STAFF FROM CHASE EXECUTIVE OFFICE BACK IN XX/XX/XXXX. I WAS IGNORED BY CHASE WHEN I TRIED TO REACH THEM AND SENT BACK TO AMAZON. 
With the letter dated XX/XX/XXXX, there were Amazon/Chase Credit Card Statements from XX/XX/XXXX to XX/XX/XXXX. I have complaints made against those Credit Card Statements from Chase. ( See Complaint # XXXX submitted XX/XX/XXXX and Complaint # XXXX submitted XX/XX/XXXX ). Both Complaints are still standing. There were no clear answers given to my questions by Chase. All I received were lies and inconclusive answers. Now I am wondering what kind of scheme is Chase planning against me by sending me a Credit Card statement on XX/XX/XXXX, from XX/XX/XXXX? 
IN THE SAME FOLDER DATED XX/XX/XXXX, THERE IS AN AMAZON/CHASE CREDIT CARD STATEMENT DATED XX/XX/XXXX SENT TO MY ATTENTION, CONSUMER FINANCIAL PROTECTION BUREAU, AND NEW YORK DEPARTMENT OF FINANCIAL SERVICES, ATT : XXXX XXXX, AGENCY CASE XXXX?. ( SEE STATEMENT ATTACHED ). 
MY QUESTIONS TO CHASE EXECUTIVE OFFICE ARE : 1 ) WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT IN THE FOLDER DATED XX/XX/XXXX? 
2 ) WHAT IS THE PURPOSE AND REASON OF SENDING THE STATEMENT FROM XX/XX/XXXX? 
I NEED A FULL OF EXPLANATION OF WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
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 belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX   XXXX : XXXX Experian : XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : 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 non-monetary relief
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The company is reporting wrong innacurate personal information in my credit report

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 2019-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Last year ( XXXX XXXX ) I worked to have this particular collection taken off my credit report by filing a dispute through CFPB. Within a month it had been taken off and my credit was almost in good standing. The debt was a maxed out credit card in the amount of {$1200.00}. I had no choice but to rely on this line of credit due to financial hardship. ( I had gotten laid off a couple of months prior when the oil and gas market crashed in late XXXX ). In the spring of XXXX this particular debt collection agency contacted me to collect on this debt. Without being notified they dinged my credit report again! The calls increased drastically everyday. On top of that they got in contact with my girlfriends parents somehow which live across the country in a totally different time zone! I have never lived in that state nor with her parents so what in the heck are they doing calling there?? Now my girlfriends parents know my personal financial business that is NONE of their business. I wish to have this collection taken off all my credit reports asap. This is hindering from building my credit in a way that allows me to actually buy a home in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or about XXXX and XXXX I XXXX XXXX XXXX, have been trying to open a Checking and Savings Account with BankofAmerica for years and they keep refusing me all the time and I found out some one @ BankOfAmerica @ North Carolina did a Identity Theft in my name now some else @ XXXX XXXX did a Identity Theft in my name this year ( XXXX ) and ongoing investigation.My complaint is BankofAmerica still will not give me a Checking Account are a Savings Account

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