BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently refinanced with freedom mortgage and today received the first mortgage statement. The amount due is {$2600.00}. The interest rate is shown as 3.25 %. When I talked on the phone the rate agreed on was 2.25 %. Also I was to skip XXXX and XXXX payments. New Payments are listed as {$1300.00} and a overdue payment for {$1300.00} is listed this would be for XXXX. Both the interest and the XXXX payment are incorrect, I have not been able to look at what I signed from all the emails. 
The outstanding principal on the statement is {$240000.00} with an deferred balance of {$7900.00} and the interest rate of 3.25 %. This rate I first agreed on is 2.25 %.

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 2019-06-27
Company: Credit Bureau of Carbon County
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My new husband has a couple older debts he was never billed for due to old address info nobody at the collection agency would update, and that the debts were from out of state. He knew this company had several accounts under his name and tried to contact them to make payments, but was always given the run around and multiple excuses before being told they would send him a bill. They never once sent him notice of the collection accounts they had for him, nor attempted any form of payment arrangement with him. They still refuse to remove an improper debt that was verified to be invalid with the original company, but they bought it years ago and want their money so keep it on my credit. They held them for a year or two, then sued for garnishment with an additional {$4000.00} in fees in 2013. They were awarded garnishment but never sent it to his employer, his bank, or him. Years later they seized his entire paycheck and bank account, forcing cancellation of insurance and other things for no payment. A judge told them they could not do this and ordered a new process to accommodate this specific debt, which they completely ignored.They froze his account again 4 months later, but only gave the bank notice. I sent a letter to the judge and went back to court, where the agency phoned in and said oops, we didn't mean to send that one. The next day, a process server shows up at my apartment, where I live alone with my daughter, holding a folded up paper that had my husband 's name and my address on it. He is not on the lease or any forms of correspondence. I do not receive any mail there, and that address is not listed anywhere publicly as I have only been there a few months. We have had a XXXX XXXX for years but they would never document it. He told me he had a bill from a doctor in town, gave the name, and said he tried to take it to his grandparents house but it was refused. I also said he does not live with me, only stays the night sometimes. He said if I don't take the papers from him, he will take it back downtown and then have a Sheriff deputy come and give it to me. I took this to mean I had no legal option but to take it. How is it allowed that they can threaten him, then violate my privacy by looking up my name and info and forcing me to take court papers that are not mine? He said it was a bill from the doctor, not a summons from this collection agency. I am sick of them harassing and stalking us, especially while I am fighting a XXXX XXXX. They have cost us hundreds in fees for their actions, yet have not credited a single penny on any debts they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Caller refused to identify themselves. used profane and threatening language. They threatened to get sheriff to arrest me and put me in a forced labior camp. used XXXX slurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To CFPB I decided to check my credit report and surprise surprise I find some company called XXXX XXXX has placed multiple fraudulent charges on my report through Paramount Recovery Systems. I do not owe this company anything, I DON'T EVEN KNOW THEM!!! 
I am hereby requesting a formal federal investigation into this company and I want them fined XXXX XXXX XXXX dollars as you have done to other companies that have violated the law. I am further sending this report to the Attorney Generals office for an investigation and will pursue criminal charges against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried several times over the past XXXX years to get my credit report from Experian. I wrote a letter requesting their help. Apparently, the letter and request were ignored. i have not been able to get a credit report from them. I have no way of knowing if the problem which existed in the past with error on report has been fixed ( unless I pay them ). FREE means I do not have to pay for an annual credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am at the end of term with the auto dealer. There is an issue with the loan payments being lowered after a payments are made. the balance was XXXXand a  XX/XX/XXXX and XX/XX/XXXX payment was made in the amount of XXXX plus late charge of XXXX totaling XXXX. my balance should be XXXX, but is XXXX. The dealer stated it is daily interest of XXXX added until loan is paid out. There is a difference of XXXX. They can not explain why. No action taken.

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: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( XXXX ) acting on behalf of Citibank contacted me between XX/XX/XXXX-XX/XX/XXXXto  settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to XXXX. 

My credit improved. ByXX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX this debt from Citibank reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either Citibank is mistaken or XXXX has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM XXXX XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How can you say that this student loan was verified accurately? It's impossible! This student loan continues to report incorrect, incomplete & unverifiable data. I rather not wasting each other 's time and want this removed from my credit report. I believe there were some student loan servicers that were sued by Cfpb because they had failed to applied the payment correctly into the client 's account. I believe one of them was XXXX. 

Again, hows it possible that youve reported me 90 days late with no late payments prior to that? I was never late on 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 2021-11-01
Company: Experian Information Solutions 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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2020-12-03
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was NEVER contacted by this company about any owed debt. Now I have a major derogatory account on my credit report. If I had been notified about any debt, I would've paid said debt. But I have not been notified at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been working with XXXX XXXX XXXX regarding the account they sent to collections, the amount was paid off back in XX/XX/2019 as contingency of signing up for new Internet service, the account had to be paid in full in cash at one of their branch. 

I made a payment of {$290.00} in cash, XXXX never send me a bill or notice of account being outstanding. I have a new account with them. XXXX is not able to fixed the account as the payment was made in cash at a branch, the collections department at XXXX has submitted an amnesty to remove the account from collections the confirmation number is XXXX. 

Convergent Outsourcing the collections company is refusing to accept the information provided to them and insists the debt still stands and is sending me collections 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 2019-08-22
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Some time on or around XX/XX/XXXX-XX/XX/XXXX ( I don't know the exact date ) I attempted to call Transworld Systems who was put in charge of collecting a credit card debt for a XXXX XXXX XXXX that I had obtained back in XXXX. The card was originally under a chapter XXXX bankruptcy which had gotten dismissed. So this reopened the debt I owed along with almost {$5000.00} world of intrested to the card limit which was only about $ XXXX {$3400.00}. When I originally called, I'd call to settle the debt for the amount of the card that was used which was around the amount of {$3400.00}. With the job that I have, this amount was manageable for me to get paid in a considerable time. Transworld came back with counter offer with almost {$5500.00} in which they told me I'd have to pay in a month. I agreed to this because they would not offer me any else and made me feel like I had no other choice but to pay this amount. I was able to make a payment of {$500.00} on XXXX XX/XX/XXXX, but was told that I only had a few days to come up with the rest. I told them that this would be impossible for me to do, but they insisted that I figure it out. I'd call and ask for an extension, they would not extend this un reasonable amount for more that 65 days. I don't even get paid {$5500.00} in a month and I have a household to maintain. The last representative who I spoke with whose name was not willing to work with me or come down on the settlement even as I left messages and pleaded with her to work with my situation. I also explained that I was trying to buy a home for my family, but she did not seem to care about anything regarding my goals She also exclaimed that I would not be eligible for another settlement offer for another 6 months if I didn't pay the remaining balance of the settlement and they I was not allowed to put in for a settlement around tax season so that I would not have an opportunity to pay the account of using any tax refunds which is terrible. I would like to negotiate a better settlement that would allow me to pay the amount that I used on the card which was around {$3400.00}. I had already paid {$500.00} into the settlement amount and would like that amount added. Their practices are unfair and deceptive does not benefit me and put me in more of a financial bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I requested for a new card from EPPICcard, after a fraudulent purchase was charged to my debit card in XX/XX/2020. I Immediately was able to contact the company that made the charge and my funds, {$85.00} was returned that week. However, I did not receive a new card from EPPICCard until the XXXX of XXXX. During this period of four months, 5 deposits were made from the Child support office. they are as follows. {$40.00}, {$200.00}, {$1100.00}, {$200.00}, {$200.00} plus the previous balance of {$85.00}, tolling {$1900.00} as my new balance. when I received the new card from EPPICCard, i only had a balance of XXXX. I discovered that {$480.00} is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
fifth third bank refuses to remove my email address from a customer account. 
I do not know this customer and I amreceiving personal information and banking information. this is obviously a security risk. 

I've contacted them 5 times over the week ( a response to each customer email sent to me directed to security/fraud dept ) and I've called them 4 times today speaking with various departments. 

no one is taking it seriously, no one can do anything. The customer used my email address and I have no way to contact them. 

It started XX/XX/XXXX and today XX/XX/XXXX I have called numerous times to 53 bank. 

I have informed them I am lodging this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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 want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called XXXX XXXX XXXX XXXX XXXX ( account XXXX ) &  paid the {$130.00} on XX/XX/19 confirmation # XXXX. Emailed payoff proof to Penn Credit Collections Agency on XX/XX/XXXX. XXXX XXXX XXXX has notified Penn Credit on XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX that the payment was satisfied XXXX XXXX XXXX closed the case. My issue is that I am working with XXXX and opened a dispute/investigation so that XXXX can contact Penn Credit. According to XXXX, Penn Credit refuses to verify that debt has been satisfied from XXXX XXXX XXXX in order to remove my negative payment from the credit bureau. Waited another 2 weeks opened up another investigation/dispute with XXXX to contact Penn Credit and still they refuse to acknowledge that payment has been made, hence XXXX can not remove my negative from my credit. Penn Credit however did acknowledge through CFBP that they received verification from XXXX XXXX XXXX utilities that payment was satisfied and that they would closed the case which doesn't seem so. This is dishonest and disturbing, ethically wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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 is missing that should be on the report

Complaint:
I printed my credit report called XXXX XXXX  on XX/XX/XXXX. I spoke to XXXX at the Consumer Financial Protection Bureau on XX/XX/XXXX. Last year when the Credit Breach happened to Equifax I became a member of XXXX XXXX. Between XXXX XXXX and XXXX XXXX they show my credit history is 6 years in the making. I have a XXXX XXXX Account that reports to all 3 Bureaus Equifax, XXXX, and XXXX every month. I have had this account since XX/XX/XXXX. That's 7 years and 10 months. I have a XXXX XXXX Account since XX/XX/XXXX. That's 16 years and 2 months. I also have had a XXXX XXXX Account since XX/XX/XXXX. That's 12 years and 2 months. I have XXXX XXXX  and their credit Monitoring shows my 16 years of perfect credit. Never late, never missed a payment, never paid one cent of interest. I printed out the credit XXXX XXXX and XXXX XXXX from Equifax and XXXX XXXX only give me credit for 6 years even though these companies report monthly and they are on the XXXX XXXX. All I'm asking is to give me the years ive spent creating a wonderful history for myself. Please fix this. I'm waiting for the letter from you so I can send copies. Thank you for your time. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX reporting on Equifax and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I never use TransferWise for sending money internationally. Today I noticed two transactions of {$200.00} USD each debited from my checking account by the company. I tried to report this problem to their help center, but they redirected me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
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:
Disputed with XXXX and the debt for wakefield was removed but it still appears on this report. Wakefield has records of it being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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