BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, It's currently XXXX XXXX  and I am up writing this complaint because I overwhelmed with the current situation with my mortgage company, M and T Bank. On XXXX, XXXX, I had a pipe that burst in my kitchen and caused water damage. I immediately had the pipes repaired and started the drying process. I submitted the claim to my insurance company and they released the check which arrived this week. When I contacted M and T Bank to get an address to mail the check, I was told that I have to wait for the approval process to release the check because my mortgage is delinquent. I mentioned that my mortgage is in forbearance because I lost my job due to the pandemic and that I don't believe it's considered delinquent. I was then told how the process would work and the money I have already paid to start the work, I'm welcome to send receipts and they will reimburse me. I was a single mom of XXXX daughters when I purchased my home. I supported my daughters through college and worked as a XXXX XXXX until my office closed due to XXXX. The home I purchased was almost in foreclosure and a lot of work when we moved in. I have invested more than XXXX into my home and have every intention to restore my home to the way it was. When you read about the insurance payment process online, they articles tell the homeowner to be kind, patient and polite to the lender if you want to get the funds released in a timely manner. We need our home restored and I have no intention to lose our home. I felt like the conversation was threatening and I was even told by an employee when I first called that I do not want to go down the road as if my loan was delinquent and have them micro manage the process. I have had my home for 5 years and have never defaulted on a payment. I am asking for help to get the funds released so I can complete the work and move forward with our lives. Once I go back to work, my plan is to refinance the home and the pay off the forbearance payment.. If you look at the website to submit a request for payment, the process will take months to complete and I believe I will be hararrased as we go along. I know they have an invested interest in the property and so I do. Are there any guidelines that can protect this process and ensure the work in my home will be completed efficiently? I live in California and the company in PA. They told me they have to find an adjuster to come by and review the progress. I am willing to upload pictures which should suffice or the adjuster can come upon completion, Do I have rights and if so, can I please be advised?

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: Experian Information Solutions Inc.
State: OH
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:
Experian keep reporting information that have been resolved by other credit agencies. Experian I have sent them a certified letter which they sign for. XX/XX/2021. For the removal of XXXX XXXX XXXX from 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 non-monetary relief
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote TransUnion about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL ACCOUNTS.

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 2020-08-02
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested. Remove the following accounts from my credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX XXXX   XXXX XXXX XXXX, CaptialOne XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX Capital One, XXXX Capital One ( XXXX  XXXX XXXX Capital One, XXXX, XXXX Capital One ( XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
american express violated " FDCPA, FCBA and FCRA '', truth in lending act, breach of contract by closing account without sufficient cause/ improper account review ... i have been a loyal customer since XX/XX/XXXX and never late on any payments..this has caused severe financial hardship due to that this account is used for daily / monthly living expense to cover charges made while waiting on XXXX XXXX check per month and now since account closure i can not afford to pay current balance owed and make any other any payments being on fix income and single parent father of XXXXyr old daughter ... NOTE : I WERE I VICTIM OF FRAUD ON ABOUT XX/XX/XXXX AND THIS HAS CAUSED MY CREDIT SCORE TO DROP SIGNIFICANTLY DUE DISPUTE FRAUD CHARGES WITH OTHER CREDITOR " XXXX XXXX XXXX XXXX '' ..POLICE REPORT FILED WITH CITY OF XXXX, FTC AFFIDAVIT FILED AND VIA MY ATTORNEY ... ALL DOCUMENT OF STATED PROOF AVAILABLE UPON REQUEST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: MIDFIRST BANK
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a XXXX customer. I went into foreclosure and they received FHA insurance payments towards the loan but did not inform me for 6 months. I contacted The HUD executive team via President Obamas cabinet and immediately I was granted the modification in fact it had been approved for months. I made my payments on time but 5 months later the roof caved in in one bedroom. I contacted XXXX XXXX XXXX. They sent XXXX! XXXX XXXX gutted the entire top floor leaving only the shell of the house. I was informed that I had to pay the contractor to avoid the house from catching a fire due to exposed electrical wiring. I was compliant. The insurance company waited 3 months to submit the check with the contractors name attached. I BEGGED EVERYDAY FOR THE BANK TO MOVE QUICKLY. I CONTACTED THEM EVERYSAY TO AVOID GOING BACK INTO FORECLOSURE BUT they informed me that there property damage and customer service team were both a part of XXXX but did not communicate or collaborate. Soon thereafter I was placed in Foreclosure AGAIN!!! The bank said I had to wait a year to qualify for assistance I waited I was told then that I was misinformed I had to make payments for a year. I was livid!!! I was then transferred to Midfirst Bank. I provided them with all documents but received a sell date of XX/XX/2019. The sell date was made before the midfirst ownership. Midfirst told me that I DID NOT QUALIFY ON XX/XX/2019. Please help me! Please

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 2019-05-15
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:
I have asked TransUnion to validate and remove these accounts from my credit report on XX/XX/19 and again on XXXX or XX/XX/19. 
*XXXX XXXX {$2600.00} *XXXX XXXX   {$550.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$260.00} I do not have accounts with these companies and have asked that they stop reporting on my credit file my name is XXXX XXXX XXXX. 
These accounts belong to a XXXX XXXX. I have asked for validation/provide documentation/applications with my name XXXX XXXX on these accounts and these companies can not and have not done this. TransUnion is linking this person to my social security number and name likeness. 
These are fraudulent accounts using my social security number and someone else last name reporting on 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 2019-05-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An account with XXXX XXXX that was opened up in XX/XX/XXXX in the amount of {$1900.00} was deleted from my credit report in XX/XX/XXXX due to fraud. Now XX/XX/XXXX this same account from XXXX was put back on my credit report as a collection with a collection agency Jefferson Capital Systems with all three bureaus stating this account was opened XX/XX/XXXX which is definitely inaccurate information reporting and the account should have never been put back on my credit file in the first place. I have disputed with all three bureaus and the only one that have removed this collection from my report is XXXX, XXXX and XXXX is still reporting. This is damagaing my credit and I am in the process of purchasing a house but with this collection on my credit I am unable to obtain financing for a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please reference the previous 3 closed cases. 

I am applied for deferment of mortgage payment last year during the COVID pandemic. After which, Wells Fargo has consistently to the consumer and CFPB that they have resolved the issue by deferring the payment to the end of the mortgage. This is not a loan modification. Each time, they did not honor their promise and commitment but lied to CFPB that the deferment has been approved and processed. They turned around and said that because of my Chapter XXXX bankruptcy, a court approval is needed and they needed my consent to speak to my bankruptcy attorney. 

Please see Exhibit A - a letter from Wells Fargo dated XX/XX/XXXX acknowledging that they had received my signed consent on XX/XX/XXXX. 

Please see Exhibit B - a letter from Wells Fargo dated XX/XX/XXXX indicating that the deferment has been approved and asking me again to sign a consent for them to communicate with my bankruptcy attorney so that they can obtain court approval despite the fact that they had already received a consent on XX/XX/XXXX as mentioned in Exhibit A. 

An executive representative also indicated to me on numerous occasion by phone that they have submitted all the information for court approval. On XX/XX/XXXX, I reached out to the paralegal of my attorney to inquire whether they had received any correspondence both in writing or by phone regarding the process of obtaining court approval. The attorney 's office indicated that they had not received any indication that there is a filing for court approval for the deferment. My attorney also indicated on a loan deferment does not require court approval. I called Wells Fargo on the very same day on XX/XX/XXXX to ask them to provide proof of court filing by end of business date of XX/XX/XXXX and as of today XX/XX/XXXX, I have not received any written or verbal communication. 

My account is still showing as delinquent. The issues at hand is that Wells Fargo has deceived the consumer and CFPB on numerous occasions ( see all three previous complaints regarding this matter in my account ) and each time, they had convinced CFPB that the issue has been resolved. It is time for CFPB to enforce the law and to hold Wells Fargo accountable for their deception by leveraging a fine and disciplinary action against Wells Fargo to the full extend of the law.

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 2019-01-07
Company: Avant Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by Avant, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXXPrincipal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to Avant is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX, XXXX ( two separate pieces of correspondence ), XXXX ; and XXXX XXXX XXXX d/b/a or on behalf of XXXX XXXX XXXX, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: IN
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:
My name is XXXX XXXX and i have reached out to Equifax on several occasions, They have failed to remove multiple fraud related accounts that are reporting inaccurately and invalid on my consumer report.. These accounts and the companies thAT HAVE USED MY IDENTITY WITHOUT MY CONSENT ARE NOW IN LITIGATION. I AM REQUESTING THAT EQUIFAX REMOVE THESE ITEMS IMMEDIATELY..FAILURE TO DO SO WILL RESULT IN ADDING THEM TO THE LAWSUIT AS THEY HAVE VIOLATED THE FCRA IN MULTIPLE REPORTING VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Paypal Holdings, Inc
State: TX
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 limited my account for insufficient reasons. I sold three items this month on XXXX and the only payment option is Paypal. I received payments from buyers  and can not touch the funds because of an account limitation that is baseless and unfounded. To " lift '' the limitation, Paypal asked me to verify my identify using four different methods. I completed three out of four, the fourth one is impossible to complete on my end and has zero to do with proving one 's identity. They insist I jump through impossible hoops to get my money, which is an insignificant amount to begin with! These are hard times, and I sold personal assets to make some spare change and Paypal is holding it, why? I appreciate any help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 and XX/XX/2021 I reviewed a copy of my credit report and notified each bureau of inaccurate information is currently being reported. In my letters, I asked them to validate these accounts and provide physical proof/verification that I am entitled to according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). To date, I have not received any physical proof validation and these items are still being reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland credit has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Barclays Bank and Visa refused a card benefit they advertise. Details are as below. 

I am a holder of a XXXX Visa Card ( credit card ) issued by Barclays Bank. The bank claims that all card holders are covered by their " Cellular Telephone Protection '' program as long as monthly bills are paid through the card. However, when I tried to file a claim, Visa told me that this credit card does not have such a benefit. Barclays Bank initially tried to resolve this inconsistency, but now they stopped attempting to resolve this issue, saying : " While the coverage is covered through Visa, it is at their discretion on whether a phone is covered for the insurance or not. We apologize for any inconvenience this may cause, but we will not be able to assist you any further on this matter. '' I started to use this card purely because of this benefit, but now the card issuers deny the benefit.

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 2021-12-01
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my report. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC XXXX XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX XXXX  Date of inquiry XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to XXXX XXXX XXXX XXXX I have never used a XXXX account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.

Company response to consumer: Closed with explanation