BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
from XXXX of XXXX to XXXX of XXXX, i lived at XXXX XXXX in XXXX arizona. my address was XXXX XXXX XXXX XXXX. i signed a 1 year lease, lived there 1 year, and moved out. now, XXXX   claims i owe them {$1300.00} dollars. it is now in collection by hunter warfield, XXXX XXXX   XXXX XXXX. XXXX florida, XXXX, XXXX i do NOT owe this money. it is a made up bogus debt, period, full stop. i satisfied the lease with XXXX, and left the apartment in the EXACT same condition as when i moved in. there is no possible way for me to owe XXXX, and now hunter warfield one single penny. impossible. if anything they owe me cause i never received my security deposit back for leaving the apartment in perfect condition. i called hunter warfield in XXXX on two different occasions and told them this is a bogus made up debt. that i do not owe it and i will not pay it cause i do not owe it. i explained to them that i will soon become homeless and this bogus made up debt on my report is causing me to be disqualified whenever i apply for an apartment before that happens. they then became very rude and nasty with me on the phone both times. i also disputed this bogus debt on XXXX XXXX and they are now claiming that this debt is accurate. IT IS NOT. i do NOT owe this money. period. and hunter warfield is attempting to collect money not owed, from a sick, XXXX  old man struggling to get by on XXXX once a month. hunter warfield, as well as every living breathing american must be made aware that hunter warfield attempts to collect money not owed, and that they have very rude and obnoxious employees answering their phones.

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 2021-08-14
Company: AMERICAN EXPRESS COMPANY
State: NM
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 sent American Express ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at AMEX are double victimizing me by punishing me for having my identity stolen. They are expletives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/18 I paid off my balance in my HELOC at PNC Bank for the paid off amount of the loan {$78000.00} the bank didn't cash the check until XX/XX/18. I am being charged interest and fees and my loan still remains open with an outstanding balance!!! I spoke to numerous persons who stated the pay off was a day late and I owe {$560.00} in interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act the following Accounts, have violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I've been a victim of identity theft and never applied for any of these accounts : 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 Equifax 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-02-24
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
In mid XXXX of 2020 I received a notice from my credit monitoring service of a change in my credit report : an account I had with Wells Fargo had been closed, specifically my Wells Fargo Health Advantage account. Since I never received a notice from Wells Fargo directly, I thought something was amiss so I called Wells Fargo. I was informed that the account was closed due to inactivity. I told the representative that I had tried using it and that none of my health providers accepted it. My credit report also showed *me* closing the account, instead of the issuer taking that action. I told the agent that account closings could hurt my score and that I would have appreciated notification of the closing from Wells Fargo. I wanted the matter rectified in my credit report. Also, there might be a health provider in the future that may accept it so I wanted to keep it open. The agent said I would have to petition reinstatement of the account. On the phone said that he would do 2 things : note my concern & relay my desire to keep the account open ( ask for a reinstatement ) and also start the process of notifying the credit bureaus that the account was closed by the credit card issuer and not by me. Fast forward to today, XXXX XX/XX/2020 ... I am checking my credit report ( I do this monthly or more often ) and I find the following updated " comment '' regarding said account - " Dispute resolved ; consumer disagrees, account closed by consumer. '' Wells Fargo continues to MISREPRESENT its actions towards its customers. Apparently they learned NOTHING from their unauthorized account creation behavior and continue to act on their best interest instead of being truthful about their dealings with customers! ALL THEY HAD TO DO WAS STATE THE TRUTH - ACCOUNT CLOSED BY CREDITOR DUE TO ACCOUNT INACTIVITY. What is so hard about that?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately late XXXX, I had a door to door sales rep offer me an alternative energy provider. They had promised me a reduction in my electric bill and I had agreed to sign up. However, after the first month, it turned out that they were charging significantly higher rates than my previous supplier. 
This, understandably upset me and I called the company to get an explanation. I was put on hold until my call was disconnected. I called back several times over the course of 60 days. to cancel my service and was put on hold until the call terminated. I was not given a chance to cancel my service and was forced to resume services with my previous supplier. 
Currently they have hired a debt collection agency to come after me for a bill that I do not believe to be my responsibility. This company has provided substandard service and unfair business practices. They should not be allowed to mask their bullying tactics behind the age of the debt or through a XXXX party that has nothing to do with their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I applied for a student loan with bank of America through XXXX XXXX. 
over the years I have been making payments of {$130.00} through my bank account. In XXXX the loan was sold to XXXX success. I believe the information is incorrect and would like to receive official documentation of signed loan agreement, statement of how payments were applied towards the principle and the balance and the amount that was sold to XXXX in XXXX. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA 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 2020-04-23
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good evening, In accordance with fair credit reporting act XXXX, account # XXXX, XXXX XXXX XXXX 
# XXXX, XXXX. XXXX XXXX. 
# XXXX, XXXXXXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions

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 2020-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Called the lender number several times and waited on hold for well over an hour. You can't get anyone on the phone. 

The lender reported a late payment incorrectly, which resulted in a 50 point drop in my credit score. I have never had payment issues. The credit drop will cost me on a current refinance. 

My mortgage is with Citizens One. 

Please advise! 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Navient Solutions, LLC.
State: WV
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 am a XXXX XXXX XXXX XXXX Veteran and my Navient student loans were granted a discharge that took effect XX/XX/2016 as forgiven and paid in full. My concern is that Navient has still been reporting delinquent activity to my credit report. I contacted Navient and they claim they have not been reporting delinquent activity, but I have tried to borrow money from my personal bank ( XXXX XXXX XXXX ) and they stated that, because of the report from Navient no funds can be lended to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: NATIONS DIRECT MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Nations Direct. I lost my main job and it caused my income to drop. I immediately contacted Nations Direct to talk about lost mitigation or maybe a loan modification. I was denied any help. They just kept giving me the run around. They had me to send the same papers over and over again stating they never received them when I got confirmation each time that they did go through.
This Creditor is acting like they want me to lose my home and not offering me any type of loss mitigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called Transunion customer services line to request help from being a victims of their reporting mistake and removing inquiries on my report. The reprensentive was no help to my situation, and would not remove inaccurate information. The credit inquiries are listed below XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2017-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On a {$27.00} principal balance this company is charging {$70.00} in fees and interest. they continue to add {$35.00} per month as a " fee '' plus interest. I have paid the statement balance on the original principal amount due of {$27.00} in the full amount owed at {$60.00}. They refuse to accept this payment as paid in full for the {$27.00} balance which was also for additional fees and interest in XXXX. They continue to add fees and interest onto no transactions and no additional use of the card, simply charging fees and interest on fees and interest. Please have this company zero out my balance and cancel this card as I instructed them to do so months ago. Please do not allow them to continue to charge me fees in excess of 100 % of the principal balance owed. My final payment was mailed XXXX-XXXX-2017 in the amount of {$60.00} which I believe to be a gross overcharge, however they want an  additional {$35.00} for an additional fee plus an additional {$1.00} interest on their late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Quality Loan has not provided accurate legal document to foreclose -they have n't done due diligence and do not have the legal standing -authority to act as a substitute trustee as they do not represent the lender -nor do they have the correct deed-note and payoff-they have filed incorrect -unauthorized documents to county recorder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: PA
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:
CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Eastpoint Recovery Group, Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a XXXX XXXX Credit card and it was through XXXX I tried to make payment arrangements but I got sick and was out of work for over a year I would pay $XXXX a month then finally they closed my account after they knew what was going on. Well I had been getting a call from this number XXXX on my number and my finance number. I finally checked my voicemails and they have left some very disrespectful voicemails on both of our phones and my fiance is not even on the account and its very threatening and I know that's against to law to leave personal information on a cell phone saying what they are calling about. Thats against the tcpa and I will not be speaking with them after the voicemails were very disrespectful and we have them saved. The debt collection company is XXXX XXXX  and it's a lady on the voicemail saying I don't know why you are not calling us back I guess you do not care and that I"m in breach of contract, now I'm not a lawyer but I do know consumer laws and they should have not left that on my voicemail or my fiance phone at all. The lady name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So I have been so much with mr cooper over the years. I was in forbearance and I was told after forbearance the past due would be put at the end of the loan. So after months of trying and trying the DEO of Florida which oversees the government back homeowners assistance fund finally approved me for my back pay and 12 months of future payments. Sent them the letter and I believe XXXX I think they are payee for DEO sent them the payment which took weeks and it just sat in Mr. Coopers account along with everyone else on this program. After all this it still shows me two payments behind XXXX and XXXX with XXXX due coming, what is the matter with them? I never dealt with such a XXXX  corporation in my life. Nothing else comes close. If you look at the payment history recently it is so confusing when you look at it. They cant even read it right I am sick of them controlling my life and it makes me XXXX  all the time. They always say they want to help you. But I always feel they get angry when your getting help and they want you to fail. I have been on XXXX XXXX XXXX in XXXX before and you would think someone would of watched it but I guess they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX ( XXXXXXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-28
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing has illegally obtained my personal information and mortgage information from XXXX mortgage. Fay Servicing has failed to show any proof of legal contract ( XXXX contract and not XXXX ) in which they have the right to obtain or have my permission to have my personal or mortgage information. By failure to do so they have committed identity theft. They do not cease and desist all activities. And have a third-party of my choosing remove all my personal and mortgage information. Legal actions will have to be taken through Illinois state prosecutor 's office, the IRS and the FBI.

Failure to do so could also lead to additional charges in connection with embezzlement and misappropriation of federal government stimulus money by XXXX mortgage XXXX mortgage did not have legal right to sell/transfer mortgage without my permission. All payments have currently been paid to XXXX mortgage as shown in the pay stubs in attachments. 
Proof of this will be shown XXXX or legal action will be taken

Company response to consumer: Closed with explanation