BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: US Mortgage Resolution LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Please be advised that I am trying to sell my foreclosure home and trying to pay 100 percent of what I owe my lender but unable to because there is a second lien originally owned by XXXX XXXX passed to XXXX XXXX they sold it to XXXX XXXX but there is no chain of title documents and title company will not close. I am in danger of losing the equity I have in my home and need resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a PayPal account and a PayPal prepaid account. $ disappears from my account. I look at the account summaries and the $ disappears without a trace. I write both installations of the company asking where my money went. I suggest that someone rewrites or underwrites my account statements. The company gives me the same copy and paste prewritten statements every time. It's provide transaction numbers and detailed information. Which isn't available because the website and app fail to provide accurate information. Premise $ missing without a trace, account summaries deny the existence of financial losses, apart of a financial theft crime ring and fraudulent call center installation. Mostly PayPal never lets on what happened to my money and fail to provide any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM XXXX 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had called at some time because I was having financial struggles as a single new mom and no one to help support me and I was told I could make a {$10.00} payment for 10 years and then the loans will have all been forgiven. Later in the course of my loan they either cancelled it or told me I had to re apply for a " income based repaying '' plan .. which I did not understand and since then I have been on this repaying plan paying nothing! I was confused at the time but continued to do what I was told. I am concerned now that I may have been taken advantage of because I had no knowledge of the bait and switch they were pulling on me. I want my original agreement to be honored. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: PENTAGON FEDERAL CREDIT UNION
State: OR
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 am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report.I found that under section605b of the FCRA the creditors are required by law to REMOVE any account which is found to be opened dueto identity theft. 

I urgently need assistance in determining who attempted to steal my identity and personal information to register for services under their own name. I intended to file a lawsuit against whomever this individual is. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case.

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 2023-01-04
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party 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. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank Home Mortgage has been over-charging me in property taxes because their employees are inept. They have yet to go to the County Tax Office for the correct amount of taxes due. This has been an on-going problem with Wells Fargo Bank Home Mortgages for many years now. A Wells Fargo Bank employee gave out my mortgage loan account # to known mortgage fraud criminals, who were charged and convicted of this crime. Yet, Wells Fargo Bank, Home Mortgage claims they have no knowledge of this  criminal activity. Wells Fargo Bank always denies everything until they are fined and forced to give back the money owed to the customers. Wells Fargo Bank employees work with Drug Cartels to launder money. Wells Fargo Bank employees work with Mortgage Fraud criminals, as they did in XXXX, TX with my account. Wells Fargo Bank hired those individuals who lost their positions on the Banks that were allowed to go under in XXXX. I have been having problems with Wells Fargo Bank ever since this time. Wells Fargo Bank on-line site was hacked and 2 payments were stolen from this site in XXXX and again in XXXX. Wells Fargo Bank, Home Mortgage  misapplied 2 of my payments in XXXX. My loan has been paid in full. Yet Wells Fargo Bank continues to add service fees in the amount of $ XXXX a month on a loan that has been paid in full. Wells Fargo Bank, Home Mortgage  still is missing all payments made in XXXX. Wells Fargo Bank, Home Mortgage does not have an accurate account history and is falsifying my mortgage account, just to try an line their own personal pockets.

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 2020-06-03
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:
^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & ^^^^^^^^^^^^^^^************** **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX***

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone was able to use my Information for what looks like two separate events. someone used XXXX XXXXXXXX XXXX for a visit or two, in addition they opened up a XXXX  Account and failed to pay for either. therefore it is on my report and I have no previous history with either of these companies. 

XXXX  XXXX XXXX  Original creditor : XXXX {$250.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$330.00} {$330.00} Payment Info Original balance {$330.00} Balance {$330.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/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 2022-09-05
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I have been paying Discover card monthly. I got a notice last Thursday XXXX the account has been charged off as a bad debt.Please call us so we can better understand your situation and try to work with you. You may be able to settlethis debt ofr less than the balance you owe. 
Reach us promptly at XXXX or chat with an agent online at Discover.com - we're available from Mon-Fri XXXX to XXXX, sincerely, Discover Customer Assistance and Recovery This is an attempt to collect a debt and any information obtained may be used for that purpose. 

The total {$33000.00} I have been paying them off the offer to sttle the debt was for {$3400.00} I was paying on that and had to move lost the part time gig and was nearly XXXX which they knew. I was trying to get a part time gig and go to school while still paying {$50.00} per month for {$4000.00} then I get this XXXX!!!!! They just decided to refigure the amount twice!!!!!! How nice wish I could do that. They are pissy because I REFUSE to let them deduct from my account. OH XXXX XXXX!!!!!!!! Last time they cause {$71.00} in insufficient fund charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Contacted these companies I dont recognize and its effecting my credit report I am trying to build my credit and these are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX  ( website : XXXX  ) ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account, and through an intermediary named XXXX in the total amount of XXXX USD utilizing Bank of America services.

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 2018-02-05
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
n XX/XX/XXXX, I took over someone's lease at XXXX XXXX. After 3 weeks of residing there, I relapsed with a chronic illness and needed to move back home. I went and spoke with Assistant Manager XXXX. He told me that he would talk with his manager, but he was sure that I would be able to move without paying a penalty or other charges. Shortly after I moved out, I received a letter from ProCollect stating that I owed approximately {$76.00}. I called ProCollect to dispute that charge. Everyone I talked with at ProCollect was spoke very aggressively, harassing and threatening. They would not let me complete voicing my side of the story. They had erroneous information such as I lived in two apartments during my stay at XXXX XXXX. I tracked down the previous head manager, XXXX XXXX, that basically said he could not help me because his company no longer manages XXXX XXXX. I called XXXX XXXX who said they can not help me because they do not have the same computer system or my file. I then received a cancellation letter from ProCollect saying that my account had been closed. I figured they investigated the case as I had requested and found the error and closed my case. On XX/XX/XXXX, I saw that ProCollect had once again put an account on my XXXX  credit report stating that I owe {$1100.00} for unpaid rent and other items. I called ProCollect and XXXX and was put through the same headache as I was before. No one will help me with this erroneous account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 non-monetary relief
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of america opened a fraudulent commercial business account and removed {$20000.00} from my original checking account. Also had someone remove {$500.00} from a bank in New York. I live in XXXX. They said the {$20000.00} was transfered digitally. They denied the claim to return then funds.

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 monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: TX
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:
I received my credit report on XXXX XXXX, 2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be 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 2019-03-28
Company: Diversified Consultants, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Over a month and a half ago, an XXXX dollar collections account came off of my credit report. It was on there on estimate 5-7 years. It came off, I went to get a loan at the bank and when my credit was pulled I had zero accounts in collection. Now, as of today it reappeared in my credit report and screwed my score up bad. I wasn't notified of a reinsertion. It's been years. They cant re age my account. It was removed. I disputed it with Experian but it needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a XXXX  credit card on XX/XX/2013. I used it, paid off the debt and closed it XX/XX/2013. It is still actively on my account and is effecting it negatively even though ive never missed a payment and ive closed it. It is also being stated as a current account.Ive asked for pay to delete but the company says they can not delete it off 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 2023-06-24
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Experian and XXXX XXXX credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied ccj on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded ccj satisfaction letters

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 2020-12-03
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I applied for forbearance on 4 mortgages I have with the same servicing company and was approved for the months of XXXX, XXXX, XXXX XXXX and XXXX. In XXXX I paid my balance in full on all four mortgages and resumed normal payment schedule. Mid XXXX they reported me 90 day late for XXXX, 120 days late for XXXX and 120 days late for XXXX. I disputed with the credit bureaus and company. On XX/XX/XXXX I finally received a call stating they found their system error and had reported back to the credit reporting agencies and the is would be resolved in 2 weeks. In deed by mid XXXX the credit reporting was correct. on XX/XX/XXXX they reported me late again on only one account this time. I showed up on my credit report on XXXX. I called the company contact and sent emails, but have not heard anything back. I have also filed disputes with the credit bureaus again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX, 2017 XXXX Transaction Details Description- Capital One Payment Transaction Date- X/XX/2017 Posted Date- X/XX/2017 Amount : XXXX Category- Payment Details- N/A Payment History XX/XX/2017 XXXX ... XXXX Social Security XXXX XXXX ... XXXX {$3200.00} Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX DE

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