BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: Prosper Marketplace, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Disputed this Account Name : Original : XXXX XXXXXXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX XXXX Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am Power of Attorney for a Navy Federal Credit Union member who has been denied access to a savings and checking account. Navy Federal has rejected their own POA form completed per their request stating it does not comply with the state of Maryland statues. A second form was completed as directed by Navy Federal POA department which has also been rejected. The POA suggest that the agent goes to court and file for guardianship which is unnecessary. The principle has decided on the POA agent, signed the POA form and had it notarized and witnessed. The principle has been locked out of the account and can make no transactions. 

Navy Federal offered a settlement to pay off a previous debt on another account, but once the debt was satisfied the account was not placed back in good standing with a positive balance, but reflects a negative balance greater than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I took internet service through XXXX, they partnered with XXXX and added TV service. XXXX told there is no contract. I had to cancel the internet service under a month as the service was not good. So, I returned all the equipment and paid everything to XXXX. Few months after XXXX says, I have a contract with them and asking me to pay termination fee. Since, I never contracted with them directly and XXXX said there is no contract I refused to pay. I tried to resolve the matter with XXXX and XXXX  ( XXXX ), but they keep asking and finally sent to collections. 

First, I dont owe any money to them. I returned all equipments, paid all fee and have a receipt from XXXX that I don't owe anything ( XXXX bills are part of XXXX who is the primary/only deal I have ). I never spoke to XXXX To get the service at my home. But I had to call them as soon as I cancelled XXXX just to make sure I dont get overcharged and there could be communication disconnect. 

Now, The collections reported multiple times and multiple agencies on the same account. which I found it to be illegal ( multiple collection companies reporting same ) " XXXX XXXX XXXX '' is reported 4 times on my credit report via XXXX  ( when checked through XXXX  XXXX ) * XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Again, " Diversified consultant '' reported on XX/XX/XXXX This is harassing and trying to get XXXX $ which I never owe to them. Please take a legal action against these illegal practices. 

Because of them my credit score came down from XXXX to XXXX now and they continue to bring down by reporting it again and again! 

Here is the info of the 2 companies XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX ( XXXX ) XXXX Diversified Consultant XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received a credit report in noticed unauthorized account on my credit report with Early warning and XXXX  XXXX XXXX account # XXXX please remove me out your check system I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: GA
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:
Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

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 2022-08-05
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2020-09-08
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After Gatestone rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different gatestone rep. She advised that there were no notes to indicate written contact only and that she would update their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is still with midland credit management. It is a fraudulent account and needs to be removed and collections stopped immediately. XXXX XXXX has deleted and researched all these accounts and have found them to be opened as a part of identity theft. Attached is a copy of the police report and when it was filed. 

Midland credit is not doing the right thing here and protecting the individual that was a part of identity theft. This is a very trying time during the pandemic and Midland is adding on to the stress and many jobs check credit before they hire you. Midland is not doing right here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Resurgent Capital Services L.P.
State: NC
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:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently in chapter XXXX bankruptcy. Wells Fargo has misapplied payments I have made for current monthly mortgage payments. Wells Fargo has represented on recorded phone calls they can't distinguish between payments I make monthly and payments the chap XXXX bankruptcy trustee makes monthly. 

My payments are for a full mortgage payment, this year I was told to pay XXXX beginning in XX/XX/2018, then in XXXX after filing a complaint, I learned Wells Fargo should've asked for the courts permission to increase my payment but did not do so until XX/XX/2018. They then withdrew their request for a payment increase-stating it was submitted in error and stated my monthly payments were XXXX effective XX/XX/2018. 

Trustee payments should only be applied to the pre-bankruptcy filing debt. Not current monthly payments. 

Wells Fargo did not begin accepting payment from me again until XXXX. 

These are the payments I have made in XX/XX/2018 Date Amount XX/XX/2018 {$4900.00} XX/XX/2018 {$1300.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XXXX Contacted by Wells Fargo Bankruptcy department to tell me the results of my audit that took place XX/XX/2018 XX/XX/2018, did not need to make a XXXX payment. Pay in XXXX. I had enough in unapplied funds to cover XXXX 's payment. POC XXXX XXXX-Manager. Was told it would take 72 hrs to post funds to my account. 

XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} Total Payments from me : {$14000.00} So I've actually overpaid my mortgage XXXX-XXXX-Where 's  that money showing on my account. 

Yet wells fargo has filed a notice with the court indicated I have not paid XX/XX/XXXX-XX/XX/2018. They are now trying to foreclose on my home even though I've been making monthly payments. This has been a reoccurring problem since being in bankrupty. Wells Fargo does not know how to handle accounts in Chapter XXXX bankruptcy. 

Now one of the reps who are assigned to my now 2 open CFPB complaints are returning my phone calls nor have they completed processing of my complaints. I have not heard from the latest rep assigned since XXXX even though I've left several messages. 

# 2-XXXX XXXX has given me inaccurate reinstatement quotes on my loan, usually XXXX plus dollars. Now suddenly a new note has been added to my statement showing my pre-bankruptcy debt was {$17000.00} and thus far {$9.00}, XXXX has been paid. I still owe {$7800.00} with is XXXX less than the reinstatement ( get my house out of BK and get back on normal payments ) So which figure is correct. 

# 3-I have two open complaints that have not been resolved since XX/XX/2018-now no one is returning my calls. Last contact was XXXX and I've left several messages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 at XXXX I received email notifications from my Chase Bank checking account that indicated that multiple online wire transfers were made from my account. As I did not make any wire transfer myself and I spoke to my wife ( who is the joint holder of the account ) and got confirmation that she did make any transfer as well, I immediately called Chase Customer Service at XXXX ( XX/XX/XXXX ) and notified about the fraud activity and asked to stop/cancel the transactions. Customer service agent confirmed me that she immediately froze my account and the transactions will be cancelled and the money will be returned to my account. As to follow internal the procedure of Chase, she asked me to open a claim process which I did over the phone at the same time. However, after a long so-called investigation process, Chase denied my claim. I talked to chase representatives over the phone several times. I provided records to the alerts as well as my call logs with customer service. One of the  evidences indicates that the hackers changed my contact number in my account profile after they accessed to my account. But nothing changed the denial decision. Some supervisors were very rude over the phone and literally told me that Chase has nothing to do any more and I should try with external agencies. Now, the question is : 1. There were total 6 transactions made by the hackers who hacked my online account. Among the six, chase cancelled two transactions, but never canceled the other four. Chase is unable to answer why they did not take appropriate actions to stop other four transactions. Note that I informed them about the fraud activity in less than 30 minutes. 
2. Chase stopped 2 transaction based on my reporting on the fraudulent activity, how come they deny claim for other 4 transactions where I reported all of them as fraud transactions. All the six transactions were made to the same destination bank account. If Chase is convinced that two of them are fraud, then what is the logic that other fours are not? I believe that the investigation team is missing to see the whole event holistically and thus drawing a wrong conclusion. Or there might be mishandling of my fraud report and someone did not cancel the other transactions ; Chase is now trying cover that up. 
By doing this, Chase is making me to lose of a large fund of {$19000.00} and not taking any responsibility of its customers lose. The way chase is handling its customers case is total carelessness and lack of accountability which is not expected from a large Bank like Chase. 
I would like to request for a proper review and fair resolution of this case so that we get our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit collection services had agreed to remove this collection from my account. 

I had contacted XXXX, the original Creditor in question. I was told that the debt in question was fraudulent. 

As a current XXXX customer nothing is owed at this time

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: PLANET HOME LENDING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, On XX/XX/XXXX, my home owners insurance was not renewed. I did not carry insurance until XX/XX/XXXX. My mortgage lender is charging me force placed insurance for the 2 months there was no homeowners insurance. I believe they are complying with the law as far as giving me notice about this. I failed to open my mail to see the nature of the penalties.

This complaint is about egregious insurance rates that I am being charged. My current homeowner 's insurance is $ XXXX/year ( $ XXXX/month ). Planet Home is charging me {$4700.00} for 2 months. I have read that this type of insurance can be 2-10 times more than insurance that I would by myself. This is 65 times more! I am willing to pay a fine for failing to understand that I was required to have insurance. As of this date, Planet Home is taking advantage of the law that has no restriction on what a forced lending rate should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
There is an account from XXXX  XXXX that was removed from my XXXX and Experian credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.

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 2020-05-27
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient is claiming they do not have to follow the CARES act on certain loans and are refusing to allow extended forbearance in the middle of a global pandemic. Someone needs to hold these student loan companies accountable. They are attempting to collect on student debt with interest in the middle of this pandemic with millions unemployed. They leave people like me, who lost my job due to Covid in an impossible situation of not being able to pay my loans and ruining my credit because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX. I was contacted by a realty company advising me of the different options that are available to me. I was never advised by Carrington that there was others options than going through a foreclosure. My realtor has received an offer on the property. I was recently advised that I was denied to participate in a short sale as my account was to much past due. In XX/XX/XXXX my lender was switch to Carrington. In the past was denied a modification and now a short sale. They are insisting that I have to go through a foreclosure and that there are no other options available. I do n't believe this right or correct. Please help me in anyway possible to avoid foreclosure and salvage my credit in order to proceeding with the short sale of the home. We have a far market value offer we 've received on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: PLANET HOME LENDING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was behind {$4600.00} and received a statement. Planet Home Lending continued to accept our monthly payments as I had informed them of a year end bonus I could use to catch up on payments. I was still in chapter XXXX at this time and did not receive any more statements from planet home lending until after XX/XX/XXXX. In XX/XX/XXXX I converted the Chapter XXXX to a Chapter XXXX. At that time Planet home lending sent me a notice dated XX/XX/XXXX that I was now {$15000.00} behind in payments. I immediately called to try and understand what had caused the payment to jump so high. I was informed by Planet Home Lending they had found record of some " missing payments '' it was not and has not been disclosed if it is related to the chapter XXXX. At this time Planet Home Lending refused to accept our regular payment, demanding the {$15000.00} at one lump sum. When I entered into Chapter XXXX in XXXX the amount behind was {$8000.00}. I remained in Chapter XXXX until all of the debt was made current and then converted to Chapter XXXX in XX/XX/XXXX. I have cashier checks issued from my bank with mortgage account number and Planet Home Lending Printed on the check as receipts for all of the payments made to Planet Home Lending from XXXX to XXXX. Also I have the form 1098 for all years from XXXX to XXXX showing that the payments were made and received by Planet Home Lending. So far Planet Home Lending will not provide a transcript of payments to show what payments were made and which were not. I will be forced to file Chapter XXXX again to save my house, hopefully this will reveal some kind of record of what payments are in question. Finding missing payments does not seem like a rational explanation from Planet Home Lending.

Company response to consumer: Closed with explanation