BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My cell phone was taken, my password was compromised, a finger print was added to my device to access my saved passwords and then used those passwords to log into my bank account and transfer funds in the amount of XXXX $ USD to someone using Zelle. I reported the fraudulent charges to my bank who then forced me to close my checking account and open a new one only to deny my fraud claims. I am unsure as to why it was required to secure my account but then deny my fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage sold the property on XX/XX/2016 for {$120000.00} in which at the sale of the auction there was only {$110000.00} owed at sale in which wells fargo home mortgage owed me back {$14000.00} dollars back at sale at Auction. I have mailed several letters over the las 4 years with no response from wells fargo home mortgage certified in regards to this matter. I have also filed with the US Attorney office regarding this matter.

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 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion is reporting over 80 unauthorized hard inquiries to my credit report. Just TransUnion. Not XXXX  or XXXX. I have not authorized these inquiries and I have explained this to TransUnion. I want these inquiries removed because I have not authorized anyone to run my credit over 80 times. Other reporting agencies removed to as unauthorized but TransUnion has and will not. Please help me have these removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was send to collections because of two unpaid medical bills I received a while back. 
I received the bill late because the post office was slow due to the pandemic and also they sent it to the wrong address. These medical bills was paid. I had XXXX in 2020 and had received more than one medical bill. Hospital, doctors, surgery and so on ... once I received the bill in question, I thought it was part of the other ones. I ended up paying it but they sent me to collections and my scores decreased by XXXX points. They have two different accounts on my reports with the same amounts of {$130.00} totaling {$260.00}. I need these removed from al three credit reporting agencies. I work for the Government and can not have a low score. I never had any collections in the past and my scores was over XXXX. Now it dropped down to XXXX. Also with the CaresAct collections are not allowed to report negative accounts due to the pandemic. Read below!!! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. 

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act. 

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.

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 2018-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX with Capital One references a check deposited from a XXXX XXXX and the account, a XXXX XXXX XXXX, linked to my 360 checking at one time as supposed proof I received funds from a check issued by Capital One..The check in question in the amount of XXXX, was intercepted while I was away, my signature forged on it and cashed to the XXXX XXXX XXXX . A XXXX XXXX is trying to imply that the one time linking of my account to XXXX XXXX XXXX and the check deposited from XXXX XXXX to my Capital One account is proof I received funds.. My signature was forged on the check, I was in XXXX XXXX at the time, from XX/XX/XXXX to XXXX. A XXXX XXXX picked me up, drove me to XXXX XXXX XXXX for my flight. I can get a statement from this person as well as a copy of Hotel stay showing I was not available to receive, sign check, cash it and receive funds. Needless to say, the information provided from XXXX does not prove receipt of funds. The XXXX XXXX XXXX account was linked fraudulently, it was removed by a Capital One rep shortly after. The check which she references as deposited to my Capital One account from XXXX XXXX 's account occurred well before check in question was even sent out, on or around XX/XX/XXXX. Failing to reach a resolution, a suit needs to be filed. I've requested the address to mail a notice of suit to, XXXX replies with a third party web-site which I will not visit. I understand this third party is responsible for filing of such suit, however, Capital One needs to provide the address to send to, I wont do their work for them. I would also request solid proof I in fact cashed the check and received funds from, which they do not have. If they check signature on file, they will see the check they resent on or around XX/XX/XXXX was not signed by myself, they can compare it to the prior check which was in fact received by myself on XX/XX/XXXX, deposited to my XXXX account and they stopped payment on in error. .Had they left well enough alone, allowed more time, stop payment would not have been necessary. in closing, please advise XXXX/Capital One it would behoove them to resolve this rather than continue to receive complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We put our loan with Primelending on a biweekly pay in order to pay off our loan faster. While on the phone they told our payment would be processed when received. It has not been. They then sent us supporting paperwork telling us that the half payments would be held and not applied. We called today once we noticed this and they said they hold the payments till they have a full payment. They said that them holding our half payments would make no difference in paying off our loan faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/20, I received a phone call At XXXX from a number saying it was from XXXX Fl. I was in a meeting and could not take the call. My parents contacted me shortly after stating XXXX XXXX XXXX called them at XXXX asking for my phone number. 

My father has XXXX XXXX and is receiving treatment from XXXX XXXX XXXX. I attend most of his appointments and have been applying for assistance to various organizations for his medical expenses. I expected the call the be in reference to that and attempted to return the call today, XX/XX/20. 

The call was not answered as XXXX  XXXX XXXX  ( which uses a XXXX  Fl Number also ) so I asked the name of the company. The ladys phone kept cutting out so I asked several times and the best I could gather was Diversified adjustments. After telling the person to never call again, to my parents or to me, and to remove me from their list, I hung up. 

I then went online to try to research to find out the type of business. It appears they are a collection agency, but I could have the wrong business name. To the best of my knowledge, I have no outstanding debts unpaid that should require a collection agency to be contacting me. Ive received nothing in the mail and nothing is on my credit report. 

I am appalled that any agency would mimic a cancer center calling. My father is elderly, XXXX XXXX XXXX XXXX and has numerous phone calls coming in from unknown numbers daily with doctors following up on his treatments. I dont know if this situation qualifies under this report, but something should be done. My parents are now going to be leery of answering unknown numbers but must do so to keep in contact with his doctors. Its sickening that this company would do such a thing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Thaxton Investment Corporation
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received many calls from CBE Group on multiple phone numbers multiple times per day. One was also my XXXX number. I was unaware of any unpaid debts so I was concerned it was a scam. 
CBE refused to give me info regarding who they are or more information without me telling them my personal details. I understand they need to verify who they are speaking with but there's so many scams and they wouldn't give me any information at all. I was uncomfortable and spoke to an attorney. I was advised to tell them to mail me info instead of the continued multiple calls daily while I was working. 

I have not since heard from them. I never received anything in the mail notifying me of any debt for me to verify. Now, I have the amount added to my credit reports but have never received a bill from XXXX  or CBE Group mailed to verify what I owe money for. I do not believe the debt is accurate. Now that it's on my credit it says it is for XXXX ( I assume it's XXXX I never had a XXXX   account ). I otherwise would not have known what I owe and to whom since CBE would not tell me. I went online a long time ago and paid my balance ( after cancellation ) down to XXXX. 

I have it on my credit reports, however, I was not asked by XXXX to pay anything more. ( XXXX also calls excessively multiple times daily if bills are owed so not sure how I still owe them anything ) This all happened during COVID shutdowns and I was not employed. I had no income, stimulus or otherwise, for over 9 weeks. I would have had an opportunity to speak to the companies regarding this or to request postponement if I was made aware of a bill or what the debt was for. I spoke to XXXX previously explaining I was temporarily unemployed due to COVID. I was not able to pay and they were informed of that. I cancelled service due to that after they raised my rates IN XXXX. I have since gone to my XXXX  account and the amount it showed that was due I DID pay IN FULL once I had money again. I have not received anything since then saying I owed more money than what I paid on my account. 

This is an abuse of the credit reporting system. I simply asked to have a letter or something so I knew what the debt was for. Also, I believe it's an unethical tactic to get paid without actually providing me sufficient documentation of what is owed. The XXXX acct is XXXX It now shows closed but XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Omega RMS, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried multiple times obtaining verification on this debt account that is showing on credit report and I have been ignored all along. I disputed account with bureau and asked to verify or delete immediately as I do not recall having account open. I disputed account with the CFPB by mail and I havent heard anything from neither bureau or CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I think the APR ( 149.62 % ) is to much. The loan was for {$2000.00} by the time the loan is paid off I would have paid back {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Shellpoint Partners, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage through NewRez and they require us to escrow our taxes and insurance. They have wrong tax information, have not responded to notice of error message and documentation that we have sent, and have not paid our, now overdue, property taxes. I called on XX/XX/XXXX and explained the situation to several representatives and sent the following message to the email address that was provided to me. 

To Whom It May Concern, This letter is in regards to a property tax error. Our property taxes are due tomorrow, XX/XX/XXXX, in the amount of XXXX. However when I checked with the town treasurer she said that the taxes have not been paid yet. I called and spoke with several NewRez customer service people and they said that my account shows my taxes are not due until the XXXX of XXXX in the amount of {$2600.00}. So both the payment due date and amounts are incorrect. Please see the attached tax bill. 

Please pay this bill ASAP. The customer service rep also said that any monetary penalties, which there will be some because it will be late, will be paid by NewRez and not out of my escrow account. Please confirm that this is correct. 

I would also like written confirmation that you have received this notice of tax error and that the taxes have been paid. In addition, please correct the date and amount of tax due for the month of XX/XX/XXXX. 

Our loan number is ____________ Property Address ____________ Thank you and I'm looking forward to hearing back, _____________ As of yesterday, XX/XX/XXXX we had not heard back from NewRez, nor have our property taxes been paid. So we called again, waited for over an hour to speak to a represented, and were told they have a record of my previous call and email They said the issue was under investigation. The representative wouldn't give me his name for reference, only said the conversation was recorded if it needed to be referenced. No number or code to document the call on our end and only would give the loan service email address that I sent my previous email to. 

In addition, when I log into their webpage I only get a blank page and can not see my account information. I brought this concern up during the first phone conversation and the representative assured me that she could see my account information and that I should able to see it - but I can't! 

At this point there are no real answers or resolution and my taxes are not paid. We have always paid our mortgage on time and this is not acceptable from NewRez. We have spent hours dealing with this concern and it is something we shouldn't have to even think about - isn't that the whole point of an escrow?! NewRez is in violation of their contractual duty.

Please help us get this resolved ASAP! 

Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, My best buy store credit card put a 30 day delinquent notice on my credit report, of all the loans and credit cards I have for the last 16 years, this is the only late/negative mark on my credit report. 

My XXXX XXXX account was hacked, causing me to have {$10000.00} stolen from my account. It was soon recovered but my account was closed and a new one created. However, my best buy card was on auto pay on the original account, I had switched ALL my other accounts, but somehow missed the best buy store card. I travel, and did not get the letter stating payment was not made and i was in delinquency... I had to spend alot of time and effort to switch bank accounts and update my security on all acounts, I would greatly appreciate it if I could have this negative mark removed from my otherwise perfect credit history, and help me forget about my hacked account incident. 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Two days ago, I received an email from Home Depot thanking me for purchasing {$1000.00} of lumber in XXXX, CA. However, I live in Oklahoma. I logged into my Home Depot Pro Account to find that nearly {$4000.00} in purchases is associated with my account, using a card I DID NOT OPEN and DO NOT OWN. I attempted to call and remedy this situation, but their credit department requires a social security number ( mine was not accepted ) or an account number ( for an account I Dont Have. ) I am at an impasse and refuse to fight with their automated system just to try and counter what is either some very foolish fraud, or a glitch in their systems, any longer. Needless to say : DO NOT OPEN A PRO ACCOUNT. Do not trust Home Depot with your information.

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 2023-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed numerous disputes with the 3 credit bureaus ( XXXX, Equifax, and XXXX ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.

Company response to consumer: Closed with explanation