BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Fay Servicing, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX I fell behind on my Mortgage payments and by the grace and favor of XXXX was able to get caught up by making a lump sum payment of nearly $ XXXX in late XXXX XXXX However I have falling behind again and have sought assistance from the Mortgage servicing company " Fay Servicing ''. They initially told me in XXXX that they would give me a Forbearance yet never did until XXXX, allowing me to skip one month and our demanding the I cure the balance of {$4900.00} by XX/XX/XXXX. On top of that I believe their obligation to adhere to the " Truth and Lending Act of 1974 '' and " The Financial Modernization Act of 1999 '' has been violated. For a few months now there have been individuals driving pay the house, stopping in their vehicles and taking pictures of the house, one couple went so far as to get out of the car and take pictures, when I came out to confront them and ask them why, they nervously pretended to be taking pictures of the house next door, So I asked what hey were doing and the gentleman said he worked for a 3rd party but refused to show any credentials or identify a company. This also took place last year when I was behind, strangers stopping in the culdesac to take pictures of my house. An official filing of foreclosure was never submit to the county therefore the property being in destress should not be public information. Someone at " Fay Servicing " has shared this information unlawfully thereby violating the aforementioned | '' Acts ''. I applied for a modification review and was denied and received a 30 day Forbearance during a time which is unprecedented not only in our country but world wide. I am therefore submitting this complaint against " Fay Service '' for their unlawful practices allowing unauthorized access to my private information in order to help another profit from my hardship. This loan is not a ( G.S.E ) and may not fall under the full protection of the " Cares Act '' yet the willingness to offer reasonable assistance during these times has not been displayed by " Fay Servicing '' only a predatory demeanor and questionable method of operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull XXXX  and Transunion, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact www.annualcreditreport.com ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of
responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with ACR.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with TransUnion and XXXX  was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a ) that's not correct and ( b ) law permits me to get it weekly.

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 2018-02-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I would like to speak with someone who can represent me. I am constantly making payments and my debt has not changed within the last year. I would like a representative to take a closer look into my account with Barclay and see what is going on. I feel cheated and mislead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: CITIBANK, N.A.
State: NJ
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:
I have a XXXX XXXX XXXX card. Last summer they changed how they process auto payments. If you have an autopayment for minimum payment due and make anything less than your entire previous months balance, they go ahead still deduct the minimum payment amount. 

So for example, let ' say you have a balance of {$5200.00} dollar and your minimum payment is {$150.00}, and you have an autopayment set up to pay the minimum monthly balance. If you pay {$5000.00} towards your balance, they will go ahead and take another {$150.00} from you based on your auto payment. So you end up paying {$5100.00}. 

There is no option to pause the minimum payment for one month. You have to cancel it entirely and set it up again in the next month. If you call them to have it paused, they have no way of pausing it for only the one month. They can cancel it and then you have to remember to call back the next month to have it turned back on. 

Previously, if you paid the minimum, then they would not process your auto payment of the minimum monthly payment. This is also the way it currently works with other credit card companies. 

This policy results in overdrafts of connected checking accounts and missed future payments because of the need to restart the auto payment. They are intentionally creating mechanisms that confuse customers on how much will or will not be taken.

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 2018-09-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX here, I was given a notice that that there was two fraud alerts, can '' t get any information on them, who to contact, phone number, etc.. 
My contact is : XXXX XXXX XXXX XXXX XXXX XXXX, mn. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: CA
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:
Recently I was wrongfully " Denied '' credit. So I called up " Equifax '' to instruct them to mail me my " Free '' annual " Equifax '' credit report. " Equifax '' then told me that I would have to " Pay '' for my " Free '' annual credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: POPULAR BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They refuse to open me a bank account checking its not fair I was disrespected at their branch by their employees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: DISCOVER BANK
State: KY
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:
Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX  refuses to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/2018 i paid XXXX XXXX {$170.00} on XX/XX/XXXX I received a letter from usaa federal savings bank saying that they have submitted my dispute. 
i contacted them and told them i never disputed the charge they assured me that the dispute was cancelled on XXXX XX/XX/2018 the merchant called me and told me they received a letter stating i am currently disputing the charge. 
i contacted usaa and they said they would cancel it again

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I made a full payment of XXXX dollars to midland credit management, also known as MCM or midland funding, to pay off a collections that I owed. I then contacted them the next business day because I got a notice of anunagreed amount of XXXX that is still reflecting on the account. The lad told me over the phone that the account was closed and that Id receive some verification/paperwork in 2-3 business days from the day that I made the payment. I havent received any paypaperwork Iam still seeing the XXXX as a charged amount on the account. During this time I went to dispute it on my credit report with XXXX which during this time I found that XXXX had been receiving wrong information on the account for months now. MCM claims that I havent made any payments and that the amount still owed is XXXX dollars. XXXX took MCMs side and informed me that the information that what was reported was accurate. Even though Ive sent them documentation of my payment/payments with MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Was due to the company for missed payment. Arrangements was made three days ago for 2 payments of {$600.00} for the months of XXXX and XXXX. XXXX debt was paid XX/XX/2018 in the amount of {$600.00} as arranged. I still received a debt collection call from Credit Acceptance corporation to XXXX the full amount and they were very forceful!!! 

I told them that I paid yesterday and I told hem not to call me anymore unless I am late for XXXX. But they will call again and I need it to stop.

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 2018-09-03
Company: Lockhart, Morris & Montgomery Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A representative from Lockhart, Morris, and Montgomery named XXXX, called and said that I owed XXXX XXXX XXXX  for not completing a contractual agreement. I resigned driving over the road because of lack of home time, which XXXX said they would schedule and did only twice in a four month period, and poor treatment of staff. The agreement was for a total of XXXX miles of driving. There was a {$5000.00} penalty for not completing and I incurred a ticket for {$6000.00} which payroll deductions were being made. The debt collector added a {$2500.00} fee which I could not agree to pay, I believed it was an excessive amount and could not remember seeing that amount in the original paperwork. I refused to agree to anything which included this fee. The amount taken through payroll deductions reduced the debt to around {$10000.00}. XXXX told me that if a paid roughly half, {$5000.00}, he would waive the fee, not report this to the credit reporting bureaus, ( XXXX, XXXX, and XXXX XXXX ), and schedule a payment plan of {$120.00} a month.The {$5000.00} was paid on XX/XX/XXXX, of  which {$3000.00} I borrowed from a friend. On our next communication, XXXX said that I only had 10 days to pay the rest of the amount. I told him that I did not have that amount and demanded my money back, at least the {$3000.00} that I borrowed from my friend since he would not honor what we had previously discussed. He refused to do this. I told him that all I could afford was {$120.00} a month or he could wait for the court outcome for the {$6000.00} ticket which was being litigated. I then receive an alert from a credit reporting service that an amount of {$7800.00}, this includes the {$2500.00} fee, was reported as in collection to XXXX, XXXX, and XXXX XXXX as of XX/XX/XXXX and again XX/XX/XXXX. They also did a credit inquiry on XX/XX/XXXX which I did not authorize. I also told XXXX not to call me before XXXX and he made at least five more calls after this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 an account from IC Systems showed up on my credit report and I do not have any debt. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To CFPB We previously challenged an inaccuracy on my Trans Union report # XXXX but as it turned out our beloved Trans Union didn't follow the law no, they sent us a report stating that they had investigated this issue and stated that it was mine. However, by law if you accuse someone of something, in a court of law you have to prove conclusively that what you are saying about someone is true, in other

words, provable, Trans Union fell short of this legal obligation putting it back on the ones who reported it, NOT ACCEPTABLE Trans Union.
Therefore, I have referred this issue over to our attorneys who ask us to report back to CFPB to let you know that if Trans Union does not follow the law and send us undeniable proof of this debt we will be forced to file a law suit against Trans Union who will have to pay for my time and effort, including a fine for this inaccuracy court cost and my attorneys fees. We would also request that CFPB do and investigation into Trans Unions practices to determine if this is standard and if so take the appropriate action to correct 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 2020-07-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have received a letter from Wells Fargo in regards to three different claims submitted through the CFPB on XX/XX/2020 ( Claim # 's XXXX, XXXX, and XXXX ) Wells Fargo states on XX/XX/2020 my account ending in XXXX was credited correctly of {$2000.00}. I never received that credit of {$2000.00}. 
In the letter, it also stated that they took action to close my credit card ending in XXXX due to fraud, but my card ending in XXXX was never recognized and no action was taken to help secure my funds even though I called Wells Fargo to let them know of suspicious activity on my debit card. 
When I tried to dispute the {$620.00}, the dispute got denied again. Wells Fargo indicated that that there was an overdraft protection charge in the amount of {$620.00} and was sent to my everyday checking ending in XXXX. I was not aware of this transaction. There was no indication of them letting me know as a customer about them transferring this money too and from my accounts. I never authorized them to do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my Experian and XXXX credit reports. These companies investigated accounts instead. Additionally XXXX   DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : Experian INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XX/XX/XXXX not mine XXXX INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized

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 2018-09-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well.

Equifax has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax is refusing to delete this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Premier Student Loan Center
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This Company is a total Scam. They promised to consolidate student loans into a lower payment and charge a monthly fee. They make it seem as if the amount you are paying is going towards your student loans. In fact, they keep all of it and loans go into default.

Also, they use abusive and illegal telemarketing to sucker in customers. They call several times a day on my cell phone which is on the do not call list. All of those calls are violations of the TCPA. I have already reported them to the XXXX, the California attorney general and no one seems to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX comenity bank for XXXX XXXX said I owe XXXX which this is fraudulent. I didnt open an account with them.

Company response to consumer: Closed with non-monetary relief