BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: Comerica
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a debit card with Direct Express that my social security funds are electronically deposited. Direct Express is recommended by the Dept of Treasury. Since XXXX of XXXX, a company called XXXX has been fraudulently withdrawing {$52.00} monthly for an arcade gaming site that I never purchased or authorized. I just became aware of this in XXXX of this year. When I check my account, I do it by phone, and it only gives the amount and date of withdrawal. Because the amount was in line with amounts of my other transactions it went unnoticed. I have contacted the card administrator, Comerica Bank, several times and never heard back. I contacted XXXX, and they just keep telling me they can't help me because I made this purchase, which is not true. I have filed a fraud report with the MN Attorney Generals Office, and they are working on it. I have also filed a fraudulent activity report with Direct Express a week or so ago but I'm not hopeful that they will be of any help based on their customer service so far. Direct Express has had several class action suits filed regarding accounts being hacked, and then I see that the Dept of Treasury just renewed their contract with them in XXXX of this year! My total loss in this mess is {$1700.00}, and a loss I can not afford. Anything you can do would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to save my home for months now and the only excuse I got was they never got my request and then I had my counselor help me but they continued to give me the run around. They didn't even want to open the review. He opened an escalation as the Office of the President with Wells Fargo and had XXXX XXXX assigned to find out what was going on. Well XXXX  was no help! We kept asking for a phone call and no one called. Anyone can write down on their notes and say they called but no voicemails were left or anything. They have also let my documents expire and I have to continuously submit new documents.

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 2020-09-04
Company: Medical-Commercial Audit Inc
State: MO
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:
MCA Management ( XXXX XXXX XXXX  XXXX, XXXX  XXXX MO XXXX ) has an incorrect collection on my XXXX  credit report. I was never contacted by MCA, I've never talked to MCA about this {$750.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Klarna AB
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX 

After reviews on consumer report we decided to try the XXXX XXXX. We investigated the website, the company boasted its 101-night risk free trial, and available financing options. It sounded like a great deal with the addition of two free pillows. So we ordered the mattress through the financing option on XX/XX/XXXX and received mattress, pillows and a tea shirt on XXXX, XXXX. 
After a few weeks it was apparent we were not sleeping very comfortable and called the company. We were informed we had to give the mattress, minimally 30 days. By the 30th day it was obvious this was not the mattress for us. I am XXXX, XXXX lbs. and have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX. The mattress was too soft to support my back. 
We initiated the return process and contacted XXXX, we were instructed that the bed needed to be donated with proof by supporting documentation and to return the free pillows. The mattress was donated to a Church run food pantry / Thrift shop and the pillows and t-shirt were shipped back to XXXX, arriving on XX/XX/XXXX. The donation receipt was emailed to XXXX on XX/XX/XXXX. 
Since we had opted for the financing, we contacted Klarna with the information regarding the decision and were informed the information needed to come from XXXX. On XX/XX/XXXX we paid our first payment to Klarna. We contacted XXXX on the XXXX of XXXX inquiring on the state of the return and refund and they informed us a refund would be issued on the XXXX of XXXX. I asked for an email following up on the conversation but never received any communication. We also contacted Klarna with this information, who again said they would need that information from XXXX. 
On XX/XX/XXXX, we received a monthly statement from Klarna citing they did not receive the payment by the due date of XX/XX/XXXX, and please pay by XX/XX/XXXX to avoid any additional late fees. 
Would someone please explain how we are receiving an email issuing a refund from XXXX and receiving a statement with penalties assessed from Klarna. This has been a horrible experience. 
Klarna Account Number XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had cable TV through XXXX XXXX. That entailed putting a deposit ( about {$500.00} ) for their cable boxes. I returned the boxes. I called XXXX XXXX directly and confirmed I don't owe them any money. 

However, a first collection agency ( I don't remember the name ) got the job of collecting the debt for the cable boxes and sent several collection letters. To every letter I replied, in writing, that I dispute the bill ; I don't owe XXXX XXXX any money ; and to stop sending me letters. At least one letter came with supporting documentation of at least a year old bill. I sent back the same thing, and told them to get a CURRENT bill. I stopped hearing from them. 

Today I got another letter from a different collection agency ( EOS CCA ; Collection Inc. ) offering to take about half of the debt I don't owe. I replied the same way and told them to get a CURRENT bill. 

I'm sick of this and want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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:
I reported identity theft due to a collection on my reports previously and it was removed from XXXX  and XXXX, Experian refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.

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 2021-01-26
Company: First Federal Credit Control, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
company has violated multiple federally protected consumer rights. 
company has assigned a debt to an attorney to collect. 
company released sensitive private medical information. 
company shared false information on my credit report with out my written consent. 
XXXX {$600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: CO
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:
Below is the dispute I sent to XXXX XXXX, XXXX, Equifax and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX/XXXX  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( Equifax  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, Equifax and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( Equifax lender report ) Exhibit 2 ( XXXX  and XXXX  Report XXXX Inaccuracies : 1. XXXX ( Highlighted in yellow ) a. Equifax reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. Equifax reporting Charged off Account. XXXX  reporting Charged off account. XXXX  reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled XXXX a. Scheduled monthly payment amount is blank. Exhibit XXXX demonstrates this is incomplete. 










Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage took over from its parent company Ocwen and I have been struggling with this financial institution representing XXXX XXXX  since I managed to obtain a loan modification package granted in XXXX. 
I have proof that they make it impossible to cure default and are drowning us in fraudulent fees that I have investigated as fake such as {$910.00} title insurance with XXXX XXXX XXXX trust escrow which does not Exist when I contacted the telephone info goes back to the parent company itself. 
In XX/XX/XXXX a statement for the amount required to cure default was requested and the amount of funds was transferred which totaled {$20000.00} but they took over {$10000.00} in fees and did not cure the default but rather claimed another {$12000.00} was due by XXXX. 
I had no choice but to file chapter XXXX and that did not work either. They managed to file papers with the court during the pandemic requesting more than double monthly payments {$5000.00} per month for a {$2000.00} mortgage and the amount {$30000.00} was sent and they still sent a notice of default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Navient Solutions, LLC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of XXXX, after the Cares Act was passed, I call Navient to inquire how this impacted my student loans. Their representative informed me that nothing was required on my end, that the Cares Act automatically put my student loans into forbearance ( I could be wrong about the term ), and that no further action was required. In XXXX, I logged into my Navient account and, to my surprise, my loans were showing past due. I called Navient to find out why this is and was told that my type of student loans weren't covered under the Cares Act. Now, first of all, I had no idea there were different types of student loans. Secondly, why was I not told this in XXXX. Now, not only do I have an account that is extremely past due, but they've reported me to the credit bureau and my credit score has dropped dramatically. I tried to speak to Navient about this and they were far less than helpful, so I filed a dispute with the 3 credit agencies ( XXXX, XXXX, and XXXX  ). They asked Navient and, apparently, Navient refused to change it. One thing to note, I immediately paid the balance once I learned the accounts were overdue. 

To summarize 1. I had no idea that my student loan was any different than any other student loan 2. The Navient rep had informed me that no further action was required I'll also add, I would think that some form of communication would be called for when an account was this late. Yet, I never had one call from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: VA
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:
This account has been opened fraudulently. I had no knowledge of this account. I didnt open this 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 2017-08-10
Company: EQUIFAX, INC.
State: KS
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:
XX/XX/XXXX and Equifax are incorrectly reporting a State Tax Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: VA
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:
This account has been opened fraudulently. I had no knowledge of this account. I didnt open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2018-09-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i contact chase bank to day to put a stop payments on two ach purchase the money was charged for XXXX dollars out of my account any way to XXXX XXXX XXXX from some eletronic check payments system than i didnt agree or allow this XXXX XXXX XXXX company to do and chase bank give this loan company system access to my account too do this after they had taken XXXX dollars out my checking account so the two loan company wouldnd i have access to my account for 18 month and chase bank guranteed me that those two loans company wouldnt be able to withdraw funds out of account, now chase bank has caused my account to be overdrawn by this loan company XXXX XXXX XXXX and chase bank failed to protact my account, and was treated very unkind by this bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: MIDFIRST BANK
State: NC
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:
Midland Mortgage Company and I had a loan agreement for the amount of {$120000.00} to purchase a house. The agreement open date began in the month of XX/XX/XXXX. Payments I made totally of {$110000.00} were made. My inability to continue the monthly agreed payments or refinance led to a foreclosure in XX/XX/XXXX, with a remaining balance of {$9800.00}. The house was resold upon the date of XX/XX/XXXX, for {$74000.00}. The bank or lender recovered over half the balance of the loan, and the proceeds were applied against the amount remaining on the loan. The credit report shows inaccuracies, and the information has not been 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 non-monetary relief
Consumer complaint received 2018-09-22
Company: Immediate Credit Recovery
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received several calls and later a printed statement by mail, regarding an old student loan from a Collection Agency that indicated they were contacting me on behalf of the Department of Education. I contacted them by phone and was told unless I agree to set up satisfactory payment arrangements or submit the full payment amount, I would be subject to further collection activity including garnishment of wages and or XXXX / S.S. benefits. The issue also is currently there is a tax offset already in force that automatically forwards any tax refunds toward the balance of the student loan. 

With that already active, I should not have to be threatened & harassed by a collection Agency for a debt that is already being paid by the tax offset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: NC
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 submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on or about XXXX. As of today I have not received any response from Equifax and although I did receive a response from XXXX and TXXXX, they did not resolve the fraudulent issues on my credit report. 
Equifax completely failed to respond in a timely manner to my dispute requests, whereas XXXX and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from XXXX and TransUnion, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas TransUnion and XXXX just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.

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