BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$55.00} CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$250.00} I called this agency and asked them what the debt was for, They advised me it was for a XXXX XXXX XXXX XXXX and this was a debt that was apparently from XXXX. I advised them that I do not owe any money to this agency and have never utilized their services. they are falsely listing this as a newly defaulted account on my credit as well as will not help in removing this information from my credit report and simply want payment. I have never received a notice from this company prior to this debt being placed on my credit and I am currently in the process of purchasing a home. this falsely reported debt may potentially cost me the purchase of said home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Number XXXX and XXXX XXXX # XXXX. I had a mortgage with Loancare and refinanced in XX/XX/2020 with a different company. Loancare issued a check for a refund of the amount in the escrow account in the amount of {$250.00}. I have reason to believe this amount is incorrect and I should have received {$350.00}. The itemization on the check I received was completely unclear and unhelpful. I contacted Loancare to ask for an escrow account payment history to verify the refund they issued. They have been non-responsive to this request.

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 2018-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. 

When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently.

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 2018-06-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have made numerous attempts to repay my loans to Navient without success. Navient representatives have advised inconsistent and/or inaccurate information to me regarding forbearances and lower monthly repayment options. In XX/XX/XXXX, I was advised that monthly payments would be around $ 810/month and that I would not be eligible for forbearance. In XX/XX/XXXX, I was advised that I had forbearance options and that they were available for use at the rate of {$100.00} per loan ; I was advised that I would pay {$200.00} to use 3 months of forbearance and no other repayment option was available. In XX/XX/XXXX, I was advised that I have a repayment option that is interest only, payments for 6 months being $ XXXX/month- nothing going towards the principal and increasing the life of the loan. No other repayment option available. I was advised that should my account go into default, that more repayment options would become available. I was advised that I had forbearance time left and that it would be {$100.00} total to utilize this. I utilized the forbearance option and told the representative that the last agent advised it was {$200.00}. The new representative advised that the previous agent was wrong and should not have charged {$200.00} for my forbearance privileges. This sheds light on misallocated funds and leads most to question what they're doing with consumer 's repayments. Payments are currently at {$850.00} and I have no means to pay them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
n XXXX of 2017, My internet friend named XXXX XXXX referred me to an FBI agent in XXXX named XXXX XXXX who said that he could investigate the scam case for me in XXXX and got the criminals apprehended and flied back to U.S. for a trial. 
At that time, I trusted them a lot and provide with them all the information that they need. XXXX XXXX did not ask for money in the beginning, but later on he said that he had received an arrest warrant and will have two of his men went to XXXX to arrest the criminals. So after two day later, he said his two men had arrived to the XXXXXXXX XXXX XXXX in XXXX to execute the arrest warrant. But however, the XXXX XXXX XXXX needed {$4300.00} to register a warrant from the U.S in order to arrest the person. XXXX said that I needed to pay that money immediately so that the warrant would become effective. He gave me a persons name called XXXX XXXX who is the officer working in the XXXX. I need to transfer {$4300.00} to him by XXXX. Finally, I made the following 2 payments. 
Order date Amount Reference No : XXXX XX/XX/2017 {$2000.00} Reference No : XXXX XX/XX/2017 {$2300.00} After they received totally {$4300.00}, XXXX XXXX started to ask me another XXXX certificate payment of {$14000.00}. I immediately suspected that something wrong with this case. So I stopped making all the payments. Then XXXX XXXX started to scold at me and then stop all communication with me. 
Later on, I found out XXXX XXXX is a faked FBI and his introducer, XXXX XXXX is also a scammer. However, I lost {$4300.00} already and I dont know what will be the best ways to recover my lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Experian Information Solutions Inc.
State: SC
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 made a request for the credit bureaus to investigate errors on my credit report back on XX/XX/XXXX. As of today, they have not responded yet.

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 2018-05-19
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps calling me and I do not owe them any money. I spoke to them and told them my name, I live alone, and that I am elderly. I asked them to stop calling but numerous times per day they call. The number that appears on the caller ID changes so I do not know if this is a scam but their harassment needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with GE Capital was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX GE Capital stated they longer have an account for me because the contract was canceled and charged off on XX/XX/2018 XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality

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 2018-11-24
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX @ XXXX has been resolvred/paid in full - previously this was a defaulted student loan

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 2020-10-14
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
just got a letter from this company, saying that I owe some money to a XXXX account that I closed years ago, I don't owe any money to that company and my apparently debt with XXXX has passed around to some other debt collectors and I tried to talk to the cellular company but they said that they don't have my file and my file was passed on the debt collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called XXXX, XXXXXXXX XXXX XXXX office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX and XXXX after the XXXX deal with charges on my card I lost my card in the process the bank allow someone to deposit of mobile Bank check treasury check on my account and also the allowed this person to credit back payments that I have already paid and now I am about to get evicted from my home my car is not working the about to take it my XXXX is not in daycare is like supposed to be and I'm not at work like I'm supposed to be because of all this situation is taking place I've been begging them and Beggin

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My wife and I filed for chapter XXXX bankruptcy inXX/XX/XXXX. Included in the bankruptcy was our house. At that same time we also listed the house as a short sale. We brought multiple offers of various price points to the bank however none were accepted. The house was left vacant as of XX/XX/XXXX. We were discharged from the bankruptcy in XX/XX/XXXX. We received a letter in the mail that Wells Fargo obtained an insurance policy on the house. While the house was under the care of Wells Fargo 's insurance policy there was an incident at the residence and Wells Fargo filed a claim, collected insurance money, and fixed the damages on their own, all done with our names still unknowingly on the deed. Wells Fargo continued to keep the deed in our names until XX/XX/XXXX, even though it was included in the bankruptcy back in XXXX. During these past few years, my wife and I have completely rebuilt our financial lives. Our credit scores have rebounded into the 700 's. We have been able to finance cars, secure a rental lease, and open credit accounts, all of which have been handled responsibly. We were informed that we would need to wait two years after our bankruptcy discharge in order to obtain another mortgage. We had put in our time, saved up our down payment, and were pre-qualified for a mortgage. It wasn't until underwriting came that we discovered a XXXX on the account. We were baffled that Wells Fargo waited two years to transfer the deed to the house out of our names. We are devastated by this news. Just as we thought we were fully over the nightmare it seems like it is coming back to haunt us. We should not be held accountable for Wells Fargo dragging their feet. The deed should have been transferred months after the bankruptcy discharge and not years later.

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 2018-05-19
Company: MIDCOUNTRY FINANCIAL CORP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has bought multiple minuscule debts of mine to get me to pay more money. One of the debts was originally owned by XXXX XXXX. I was summoned to court over a month ago. I tried to work a payment plan out with the lawyer there but she couldnt get in touch with anyone at the office. I was told I would be notified by email or a phone call within the next 30 days and specifically told them to leave a voicemail if I did not answer. No call at all in over a month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account on my credit report that is not owned by me. I have requested its removal on three occasions. Each send registered mail. They have reported the account as updated but the account remains unchanged.

I have requested verification of the account as I am certain this is not my account ; this has not been provided despite three requests. 

Most recent letter states they had incomplete information to complete my request. The letter does not specify what exactly was incomplete. I have provided copies of identification, utility bills and supporting documents with each request.

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 2023-05-11
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 is missing that should be on the report

Complaint:
I opened a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card account around XX/XX/2021. XXXX never sent me my account information or credit card so that I can activate my account and make payments online. Because of this, I was not able to make a payment on time and XXXX / XXXX marked me 30-days late on a payment. There are also several other errors on my XXXX and Trans Union reports that have not been corrected or deleted after several disputes. 

It is not fair that a consumer be hit with a 30-day late reporting when he did not have the opportunity to make a payment because the furnisher did not send the proper account information in-time. XXXX XXXX XXXX has violated the FCRA and I believe the Fair Billing Act as well.

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 2021-07-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. Equifax and XXXX  are both inaccurately reporting a late payment in XXXX of XXXX ( Equifax ) and XXXX of XXXX ( XXXX  ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Good evening At XX/XX/2017 after the IRMA Hurricane I just received a letter from Santander Consumer USA my car loans Bank. In this letter they was offering payments extensions to us The Costumers. They havent mentioned nothing about fees, interest and I havent ask because they are offering a help.

They approved an extension for two months. The extension ended XX/XX/2017 and now after 3 payments, they take all the mony for interest, nothing to the principal and my contract was extended 2 month more. Almost {$900.00} on interest, a help that I have to pay to Santander thanks to the Hurricane. 
Is good let you know that Santander Finance me a XXXX XXXX XXXX XXXX at the 25.5 %. a percentage that kill me, and even like that, Ive never been late on my payments. 
Thanks you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
These people have put a very old debt on my credit report that's twice the amount of what it was when it was charged off years and years ago. I am no longer responsible for the old debt at the original amount. They send me letters saying they will sue me, they call me and bother me, and they keep adding more interest to this " debt '' they think I owe. Right now it's at {$2400.00} and it keeps climbing. They are deliberately damaging my credit, which made it very hard for me to buy a car last month. I had gotten my score to the 700 's finally, and they brought me down to the 500 's with their despicable actions. I disputed this debt once, it was removed, and they added it back on and added more money to the balance. These people are crooks who damage your credit ; I read all about how they went after people in LA with fake medical bills and they have been sued many times by others. If they do not remove this debt on my credit reports ASAP, I will be hiring an attorney to sue them as well. XXXX my words, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation