BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB representative, I am following up on a previous complaint I submitted XX/XX/XXXX ; complaint ID # XXXX that was never addressed nor corrected by XXXX XXXX ( representative of Wells Fargo ). Her contact number is XXXX ext XXXX. Attached to this email will be : - a copy of the response letter from Wells Fargo datedXX/XX/XXXX confirming that the company received CFPB complaint and that the matter would be addressed ( my request was a new revised billing statement which would show my {$1400.00} cash payment to be used towards the principal payment and not in unapplied funds balance ; -copy of billing statement dated XX/XX/XXXX showing {$1400.00} going towards unapplied funds ; -copy of an email from Wells Fargo that the request was solved, which it was not ; -copy of the list of the mortgage billing statements available on the Wells Fargo website ; the latest statement dated XX/XX/XXXX which has the error. No new billing statements after this date has been applied to show that the {$1400.00} cash payment was applied towards the principal ; -copy of Wells Fargo online account summary that shows the correct principal payment of {$140000.00} ; but, the actual mortgage billing statement for the unpaid principal balance states {$150000.00}. 
In conclusion, I received two voice messages from the Wells Fargo representative, XXXX XXXX ; I have returned her call twice, including leaving her a message as to my request to correct this matter. However, no changes have occurred as of yet and it has been more than two business days. 
Would you please assist me on my behalf by notifying XXXX XXXX and finding out the hardship as to why this matter has not been corrected.

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 2023-07-05
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I quit my job with XXXX, my 401k is through Wells Fargo. On XX/XX/2018, I called customer service and asked for my distribution of my 401k. On XX/XX/2018 they supposedly mailed out my check. On XX/XX/2018 I called back and they said they mailed the check to the incorrect address, which is impossible because my address never changed. Supposedly it would take another 10 business days to arrive. I called again on XX/XX/2018. They keep apologizing, but I have yet to receive my check. I reported my situation to the board of directors for Wells Fargo, the federal reserve and whomever else possible. My information got forwarded to the cfpb who in return sent my information to wells Fargo. Wells Fargo responded on XX/XX/XXXX with a pdf letter which I never received in the mail which was dated XX/XX/18. It is now XX/XX/18 and I still have not received my check for XXXX. I have lost out on an excellent job offer because I was going to use this money to move. Now I am homeless and living in my car. All I want is for Wells Fargo to either deposit my money into my bank or mail me my check. I never had these problems with 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 2016-12-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit report bureau does not check accuracy of statements coming from mortgage companies ( and others ) without proper payment applications, cyber security procedures and standards. There is a consortium of companies providing incorrect statements and information and the credit bureau is complicit in their inaccuracies. An example of that type of company is XXXX XXXX. The only purpose is to keep customers tied to low level lenders ( such as XXXX XXXX ) and higher interest rates by manipulating their credit scores.

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 2023-08-10
Company: Experian Information Solutions 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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$580.00}.

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 2023-04-26
Company: Nelnet, 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:
Once again the response you sent is not sufficient for evidence that a clear and conspicuous disclosure was given to the consumer about reporting to third party CRA 's. According to 15 USC 6802 ( b ) you are required to provide a clear and conspicuous disclosure to the consumer of your intention to share private information with a third party. In addition to this an option for the consumer to opt-out must be provided. Based on the documentation you have provided, neither of these things was provided. In addition to this you have not provided a wet signature contract signed by the consumer. Please review the letter submitted again because what was asked for was not received. Read the law and you will see you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX referred me to Receivable Solutions for charges that were supposed to be paid by an Employee Assistance Program. I received a nasty call from Reveveabke Solutions demanding payment for a debt I do not owe. The representative told me I had to deal with Mercy if I think I did not owe the debt and would do nothing to even indicate that I did not owe what they were harassing me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
loan was forbearance since pandemic started, when my forbearance ended I contacted Shellpoint for whats the next step. We agreed that they will add amount I didnt pay back of the loan and start my new payment XX/XX/2021. They advise me to wait all documents they will mail to me once I receive them I should sign and notarized, mail bank to them and start first payment XX/XX/2021. I did all those things as they instructed me to do so. 
All the sudden I got Alert from XXXX indicating that shellpoint reported late payments in my credit report. 
I have been calling and emailing to shellpoint no one is willing to help me. 
Thats why I am doing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Absolute Resolutions Corp.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I moved from XXXX to XXXX  and a debt collector is trying to sue me in XXXX  for the XXXX  debt that's time barred in XXXX. Also I have never had a credit account with the amount they say I owe. When I contacted them I asked for proof of the debt and they won't provide it. 
I'm providing the appeal court case number in XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2017-02-27
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried to work with Navient to reduce my payments so they are affordable with my Federal Loan payments. Currently I am paying {$600.00} combined for these loans and no one is willing to assist me with making this payment affordable. I recently had to file for bankruptcy due to my high student loan debt. I am currently paying a variable interest rate of 8.25 % on nearly a {$30000.00} loan with Navient and they are unwilling to work with locking in a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries Ally Financial 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 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 non-monetary relief
Consumer complaint received 2021-02-17
Company: Mountain Run Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mountain Run Solutions , LLC is a predatory collection agency. They were somehow able to purchase a debt that I had already resolved with the original creditor and initiated unfounded collections against me. 

I asked XXXX XXXX a collector with Mountain Run Solutions to get a transcript of my customer service interaction with the original creditor, XXXX, and he refused to provide me with said information. If Mountain Run Solutions , LLC could access the transcript from XXXX that occurred some five years ago they would see that XXXX took no further action on collecting on what XXXX initially claimed was a balance due but then ultimately took no further action to collect. 

I do not have time to deal with being harassed by this unscrupulous collector. Please review my complaint and advise. Please note that I am not alleging criminal activity of any kind but rather a potential abuse of standard collection activities.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I was scammed and the bank did not protect my money. I have hired a lawyer to help me with this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transfer {$1200.00} from my TD Bank account to another TD Bank account user. And was told my money would be returned to my account by the person I sent the money to due to not being able to receive my item of purchase. I also sent over documents regarding this conversation to support my statement. I was scammed out of {$1200.00} and TD Bank did nothing to help me get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my 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 2022-07-14
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 

I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: TX
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 opened a dispute with XXXX. They were not correctly reflecting the balances on my credit cards making it appear that I had high balances on my cards ... they fixed the error on 2 of my chase cards but completely deleted one of my chase cards with a limit of XXXX and a balance of {$0.00}. I uploaded the statement of the credit card along with a note explaining the error and disputed twice but still my card is gone from my report. my score is affected as it has lowered my available credit and increaded my debt ratio. I would like my chase card put back on my account with balance updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently had to dispute a charge on my Venmo account which triggered my account to be put in a frozen status. I received an email to send a picture of myself with a government photo ID which I found very odd not even sure that's legal but I did it anyway. Everytime i try to reach out to them they said someone has my case and should be taken care of in a couple days but as of today my account is still frozen.

Company response to consumer: Closed with non-monetary relief