BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in process of refinancing my mortgage ( through XXXX ), and I am having some difficulty with my existing mortgage provider ( RoundPoint Mortgage ). As part of the refinance process XXXX requires a payoff letter. They reached out to RoundPoint, who refused to provide the document, so I was asked to reach out directly to make the request. On Wednesday, XX/XX/2020 I requested the document through RoundPoint 's IVR. The automated prompt indicated that the document would be sent within 2 business days and that depending on the laws in my state there may be a fee. When I had not received the document by Friday, XX/XX/2020, I called back and made the same request directly through an account representative who assured me the document would be emailed within 2 hours. As of the following day I still have not received the document. From my perspective there appears to be a pattern of abuse : 1. Uncooperative in providing the requested document to the new mortgage company 2.  Attempted to discourage requesting the document by indicating there may be a fee, but never confirming if the fee would be applicable in my case or the magnitude of the fee ( inadequate disclosures ) 3. Did not provide a way to request or obtain the document through self-service on there online account servicing website 4. Did not fulfill the request as promised through two separate attempts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CMG MORTGAGE, INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've had problems reconciling the escrow balance on a document CMG Mortgage sent me. I've spent over 20 hours on the phone trying to rectify the situation. I've been calling for 2 months, over 15 calls to the presidential complaint line XXXX and they have not ONCE called me back despite the fact that they claim a 48 hour response. The will NOT talk to me on the phone or allow me to send an attachment to them, that THEY mailed me to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX I wanted a free annual credit report from TransUnion. They ask for your credit card info to " Verify Your Identity '', I ended up being charged a monthly fee of {$25.00} for the credit monitoring service and three reports, not what I wanted! 
XXXX Cancelled the monthly service within hours of the " Charge '' for the service, now I want my money back! 
XXXX has120 ratings submitted in the last year, almost all are the same story as mine! 
" By not distinguishing the credit score and a credit report, the company preys on those who do not know that the 'free ' credit report is different from their credit score services and thus charge you! ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2023, a levy was placed against me. I tired to dispute. They are saying I have to prove to support my dispute. We are in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt for {$1600.00}, i have no idea what this is or who did this ... this is not my account, Ive already reported with the XXXX ... planning to also contact a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: WELLS FARGO & COMPANY
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reported theft by someone at Wells Fargo and news reports confirm Wells Fargo admits stealing millions after I made my report. This agency claims Wells Fargo has responded. Wells Fargo has bought advertisement and made the evening news but they have NOT responded to me. 

Reporting to this agency has done nothing. This appears to be a method our government uses to steal from us. People getting paid to do nothing while banks steal from the poor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Date of the transaction : XX/XX/2021 Transcation amount : {$1200.00} What happened : I paid someone through XXXX XXXX  using my Bank of America debit card for the purchase of a guitar, which never arrived and it turned out the seller was a scammer. I'm not able to reach him after I made the payment, and the seller 's XXXX  account was deleted after the transaction. 

I filed a claim to dispute this transaction with Bank of America and they denied saying it's XXXX 's responsibility to help with the chargeback. However, I did contact XXXX before I filed the dispute and they asked me to contact BOA and think I would be able to get my money back.

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 2020-05-29
Company: BARCLAYS BANK DELAWARE
State: NY
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: Problem with personal statement of dispute

Complaint:
Barclays bank - not authorize charges XX/XX/2018 XXXX XXXX not my account ( made a police report about identity theft in NY XXXX so far didnt get any resolvement ) i went to my friends wedding in XX/XX/2018 in XXXX. when i went out with my friends i got an alert in my phone that my card was charged and it sounded like fraud. i contacted the credit card company and called them right way and they said they will dispute the charges and send me a new card by the time i get back to NY. i went back to my hotel and found out that my bag was stolen from my room. i called hotel security but they didn't take any serious action. they didn't even speak XXXX. i lost my jewelry, camera, laptop and more valuables in a different country. was XXXX broken and came back to NY, and after 3 months i saw the Credit card company put the charges back, and i asked them for the necessary documents of those Unauthorized charges, and didn't get any feedback. i am not in a position to pay for something that i didnt Authorize. the interest are adding up and in 2 years this is hurting my credit. i have always paid my bills on time. and paid off everything and always had a great credit score and reputation. and now my reputation is ruined. i cant start a business nor buy a home, for something that i didnt do. please help me. please ... 
best regards 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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$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.

-- OTHER ACCOUNT 1. 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 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
this is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, USCB AMERICA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA USCB AMERICA has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: MD
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:
Bank XXXX XXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: RI
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:
On XX/XX/XXXX I called carhop to settle my Loan on a closed account, I settled and paid the company XXXX dollars. I was told this would take time to show on my credit report and Id receive a release lean in 4 weeks, I originally called carhop XXXX to report there was incorrect information reported on my credit report which stated I still owed XXXX and that my last payment was XX/XX/XXXX and was still in repossession I spoke to a XXXX who said Id have to send documentation a copy of my license etc to corporate to show proof this was incorrectly reported also stated it was the credit companys fault when that is FALSE. I settled with this company so I didnt have to deal with them but its becoming hard for anyone to help me with this when nobody can give me a straight answer. I settled with the company I dont know why I have to go through this.

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 2023-02-08
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a deposit in the amount of {$1100.00} dollar on XX/XX/XXXX that was supposed to be put into my Savings account. I filled a deposit slip out and informed the teller that I did not know my account number. I received notification of account activity and proceed to find that funds were missing from my Reserve account with PNC. After further investigation, I found that the writing on the deposit slip with account number were not my own hand-writing. The teller took the liberty to fill out the deposit slip account number without my consent and put the amount into the incorrect account. Resulting in the amount being placed into my checking account without my knowledge. 

I contacted PNC Corporate on XX/XX/XXXX, when the issue came to my attention. I spoke with XXXX, XXXX and XXXX XXXX in the retail relations. They informed me that issue would be risen to the branch manager and the teller would receive coaching. I do not feel that this is satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was contacted by Netcredit regarding a personal loan to help rebuild my credit. At the time I thought it was a good idea and I could handle the payments of the {$3200.00} loan. Shortly after I was laid off from my job and no longer able to make payments. I started working with a debt consolidation company and paid back about {$1500.00}. The debt consolidation company wasn't paying my bills on time so I discontinued using their service. 

Now when I look at my credit report it shows I owed over {$3000.00} and the interest is 132.99 %. I feel like this is predatory lending and they took advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: MARINER FINANCE, LLC
State: IL
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:
Personal Finance is reporting an inquire on XXXX  credit report but has been removed from XXXX  and XXXX. I sent the company a dispute letter several times with no response on the issues that they are reporting not on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 received a letter with instructions to receive my FREE annual credit report from XXXX XXXX. 
This report is not FREE, as it is NOT being processed. Their telephone and website links are failures. The phone link will not get my clearly stated address correct ; the web link will not get past the security letters. I am accusing this credit reporting organization of intentionally avoiding provision of a FREE credit report from the 3 credit bureaus.
Inquiry ( my information ) Purpose : loan refinance, XXXX XXXX XXXX XXXX-2017

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 2023-06-14
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: Account information incorrect

Complaint:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/20XX/XX/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 2020-07-27
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX  ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information was not removed on Credit Profile.

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 2022-10-25
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation