BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: HW Holding, Inc
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:
Hunter Warfield claims that XXXX XXXX XXXX XXXX referred an account to them for collection on XX/XX/XXXX, listing the principal amount due of {$17000.00} but has failed to provide such proof as requested in my letter sent on XX/XX/XXXX. They further claim that an initial collection letter was sent to me on XX/XX/XXXX of which I was never notified. They state that verification of the debt was mailed to me on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX I sent a letter requesting that Hunter Warfield Validate not verify the validity of the alleged debt, including providing the following : The agreement with XXXX XXXX XXXX XXXX  that grants them the authority to collect on this alleged debt. 
Agreement that bears my alleged signature wherein I agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I did not request verification but validation with my wet signature. 
I have never done business with Hunter Warfield and they have refused to provide the information requested in my original letter. Furthermore, the information being reported is inaccurate and pursuant to the Fair Credit Reporting Act ( FCRA ) If inaccurate information is discovered in your file it hast to be removed. The attached documents will confirm that this debt has been falsely reported. On XX/XX/XXXX XXXX XXXX XXXX XXXX voluntarily dismissed this alleged debt that they say I owe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Real Time Resolutions ( RTR ) engaged in fraudulent activity to misrepresent my financial arrangement with them, which is supposed to be {$5.00} per month, and even going so far as to state, according to their representative, that I signed an agreement to pay them {$120.00} per month. I never signed or agreed in any manner to such a thing. I am submitting the following documents : My XX/XX/18 RTR - Fraud Complaint Statement XXXX XX/XX/XXXX Letter RTR XX/XX/XXXX Letter ( page 1of2,  backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX Letter ( page 1of2, backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX website - online contact page ( email option ) of my nite of correspondence sent to them XXXX Money Order receipt purchased on XX/XX/XXXX and sent to RTR, and processed by RTR on XX/XX/XXXX. ( The XXXX claim confirmation for the processed money order will be forthcoming ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Asked for " Reinstatement of Mortgage, '' dated XX/XX/XXXX from Chase, XXXX. XXXX XXXX, XXXX, Ohio XXXX-XXXX. Total amount to reinstate the Mortgage Loan, as of XX/XX/XXXX, was {>= $1,000,000}, good through XX/XX/XXXX. Also included was a written warning indicating if the above amount could not be paid in its entirety, the amount may increase because of additional interest, fees and costs, including those related to foreclosure activities, Chase Insurance, property inspections and valuations.

2. RE : the {>= $1,000,000} : It is our, ( Borrowers ' ), contention that Chase has built in fraudulent costs PRIOR to foreclosure which include attorneys fees, improper insurance fees, ie : Wind, attorneys fees, corporate advances and other fees.

3. The above noted improper fees have been compounding over the years resulting in a fraudulent improper result/total which is NOT the actual amount owed on the Mortgage. 
4. Further, the Mortgage which was taken out in XXXX and it has remained at 6.5 percent wrongfully compounding to present date. The Borrowers diligently attempted to have the rate reduced to three percent, or less, when that was the going rate during the following years from XXXX. 
5. The Borrowers have consistently pursued " Short Sales, '' but at every turn was faced by the Lender with the Offering price for the house reasoning it was insufficient, late, or the " T, '' wasn't crossed, or the " I, '' wasn't dotted properly. 
6. Chase was giving lip service to the possibility of saving the house, but never was sincerely interested in helping the consumer, particularly as XXXX XXXX proclaimed in one of his speeches. 
7. This Borrower is not eligible for " Chase Modification with Principal Forgiveness, '' because Lenders could not create an affordable payment without changing the terms of the mortgage beyond the " modification 's program 's requirements. '' 8. If XXXX XXXX professes to want to help the consumer then why couldn't he instruct his managers to go the extra distance and try to modify the mortgage program 's requirements which would include lower interest rates, instead of returning boilerplate rejection? 
9. The Borrowers have documents and letters of support for their contentions, but do not know how to download these papers.

10. The Borrower, Husband, is a XXXX XXXX, XXXX  years of age with serious XXXX problems for which he just came out of the hospital. 
11. The Borrower, Wife, is late XXXX and is a three times XXXX XXXX XXXX. 
12. There was a one year hiatus when the Bank after a five year period improperly went back for a third bite of the foreclosure apple and was so rewarded which should result in an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last month I pulled my credit report because I am in the process of purchasing a house and I noticed that National Credit Systems ( XXXX XXXX ) reappeared on my reports in the amount of {$80.00}. I previously disputed this erroneous debt and it was removed from my reports. I have not received any kind of correspondence, calls or emails from this company. I have not idea who these people are and why they are trying to collect from me. I have faxed over a Debt validation letter as well as filed a previous complaint through CFPB and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern : I am writing this letter today about my experience with Synchrony Credit/ Gap Card . I called them over 30 days ago to explain the situation I was in that affected my credit report in 2017. I never heard back from anyone at Gap and they said I would be notified via mail which I never was. I called them today to talk to someone regarding the late account again, and notified them I had sent a letter explaining the problem and how I was dealing with a family matter and I assumed my account was on autopay. It is imperative that my credit reflects the good business relationship I have maintained with them since then. I am in the process of refinancing my home and I am unable to refinance at the moment due to this matter. I hope this issue can be resolved and I can continue a good relationship with them. 

Thank you. 
Sincerely 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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, 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:
I made a purchase with XXXX XXXX XXXX it auto selects XXXX  payment that specifically says it will not check your credit. It has a learn more button and says no credit check. I dont need a payment plan it auto picks that as the first option. I am super XXXX that it says no credit check then i get an email saying it pulled my credit. That is so freaking illegal to say no credit then to pull it. I did not authorize it to pull.

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 2018-07-05
Company: AMERICAN INTERNET MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
American Internet Mortgage sent money from my escrow account to an insurance company that I did not approve or have insurance with. They never reached out to me to verify the change in policy but instead just sent a check to a random company. AIM ( american internet mortgage ) told me that I would have to retrieve the money and send it back to them. I found out who the company was that AIM paid and that insurance company informed me they sent the money back to AIM and they cashed the check. I provided AIM with a check number and date that the check was cashed by them. They are refusing to reimburse the money in the escrow account and now I have an escrow shortage for money sent to an insurance company that I did not approve. I gave AIM all this information at the end of XXXX and was told they would open an investigation. I never heard back from them again ... I spoke to them a few weeks ago and they are still saying they can not help but offered to open another investigation. I have left several voicemails over the last two weeks but I am not getting a return call. My escrow account is short by almost {$1400.00} and now my mortgage payment has gone up. At the end of the day, AIM got their money back from the insurance company and they are now taking money from me that I do not owe. They are stealing money from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: SYNCHRONY FINANCIAL
State: NY
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:
Fraud - someone use my Social Security number and opened up a PayPal credit card. 

This bank- still not communicating with me or giving any information. I need to figure out how to get this off my credit report. Because I did not open up the account I can't get any of the information. Going around in circles for three months I recently changed addresses XX/XX/XXXX, doing so through the USPS website all of my financial credit cards banking information automatically changed to the new address submitted to the post office. 

I received a letter dated XXXX from Pay Pal Credit or synchrony bank. Which I have uploaded, and this is the only piece of information I have received from PayPal credit. 

I called the bank on XXXX and was given Case # XXXX and told I would receive some items in the mail the next two weeks. ( which I have never received any mail from them other than this one sheet of paper that I've uploaded ) I've had my credit report on applying for a mortgage - and this account has been open since XX/XX/XXXX and someone has been paying it back, making minimum payments. 

I am unable to obtain the account number, credit card information, transactions as this is all digital, and I do not have any of the criteria of the account because I did not open this account. 

The fraud department will not tell me anything about this account. All I know is that there's a {$6000.00} balance reporting on my credit report, with no late payments, and this not my account. all i know is the last four numbers of this account.. is 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 2018-03-06
Company: Moneytree Inc
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
they send me an email states the money is coming out on fri and then they don't take the paymnt for at least five days esp. if weekends involved and once when It didn't clear they charged me a XXXX fee for late pymnt when it s their fault and I was assured then when I paid the late pymnt that wouldn't happen again and continues to happen

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 2018-03-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
There are two fraudulent hard inquiries on my credit report that I DID NOT authorize. They are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Khols CapOneXXXX XXXX - is still reporting and updating a balance on my credit file even though the account was paid. They are even reporting it paid in the notes but still showing a negative balance. This has affected my financing now so I have contacted my attorney because they are in violation. I have disputed this and it is still showing and reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon submitting a complaint through the CFPB I was given a response from The Money Source that is unsatisfactory. In the documentation submitted The Money Source made an error and the solution to this error is presented in a way in which me ( the borrower ) is stuck with 100 % financial responsibility even though I did not make said error. I am seeking an resolution in which both parties can find. I called The Money Source on XX/XX/2021 and spoke with customer support personnel to discuss the matter and was told quiet firmly that there was no other option other than to resolve the shortage created by the escrow department with The money source in either 24 or 36 months. I felt strong armed into an agreement to keep my payment up to date as my mortgage payment is due today. They expressed no desire to discuss a way to resolve this matter in a way that does not put 100 % financial responsibility for a error on their part on their customer. I can only infer from the conversations had by myself that The Money Source does not wish to discuss terms that would be good for their customer to the customer themselves. I can also wonder of this is how I am being treated in this instance, how are other customers treated who feel as if they are being forced to do something unfair to keep their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: WELLS FARGO & COMPANY
State: NC
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 have copies of my payment history which was provided from Wells Fargo on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against Wells Fargo as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, Wells Fargo has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that Wells Fargo needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to Wells Fargo, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! 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 2020-05-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Covid 19 CARES ACT clearly states mortgage servicer 's are required to provide 180 days mortgage payment relief and another 180 days mortgage payment upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES ACT mortgage relief from SLS Loan Servicing was given 90 forbearance period with balloon payment due at the end of the 90 day forbearance period ending on XX/XX/2020. On XX/XX/2020 sent certified letter to SLS Loan Servicing to advise Covid 19 CARES ACT mortgage relief requirement and request 1 year mortgage payment relief. SLS Loan Servicing has not authorized my 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 2019-04-18
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
Santander consumer agree to deleted from my 3 report is still coming out should be deleted completed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Midstate Collection Solutions, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  PO BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX, filed a small claims lawsuit against me approximately XX/XX/XXXX-XX/XX/XXXX. The information reported was incorrect and a counterclaim was filled. On XX/XX/XXXX the collection agency ( Midstate ) admitted to the error and requested I only pay the amount of the initial bill and they are recusing themselves of responsibility and declining to collect any collection fees. The initial bill was for {$5600.00}. This was done before my insurance had even settled with the hospital, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX the error was addressed Midstate requested I drop my counterclaim and pay the amount of the bill {$2500.00} ( this was the total amount due after the insurance and XXXX XXXX XXXX finally XXXX the bill ). I paid the full amount of {$2500.00} and the case was dismissed. After thirty ( 30 ) days the amounts were still showing an outstanding balance on my credit report. My job became aware of this and demanded I get it taken care of or I would be terminated. I have a no debt section of my employee contract. I called XXXX from Midstate and was told after the debt was paid is was not their responsibility to report it to the credit unions. I filed a dispute with XXXX and XXXX  ( I provided all documents and court documents ). On XX/XX/XXXX I received a letter from XXXX stating the contacted Midstate and were advised the accounts are verified as accurate. I called Midstate and inquired why they would do this. I was told by XXXX all my accounts are closed and I have a XXXX   balance with Midstate. She advised me to go ahead and try and dispute it again. Maybe it will get fixed this time. I have tried to fix this following all of the levels of dispute protocols. I now believe the money Midstate lost from this case has been causing them to do this intentionally out of malice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: U.S. BANCORP
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
About XX/XX/2017 my purse was stolen while I was in XXXX XXXX XXXX  XXXX. I had several charges made on different accounts. I called every credit card that I had cards with to explain the situation. At least 2 of them already had a charge that was the same amount and from the same establishment. US Bank at first refunded my money but later said I told them I had the card in my possession. I had a poor phone connection when I called them but they will not allow me to listen to the call to hear for myself. I know I would not have knowingly said I had the card when in fact I was calling them to let them know it was stolen. 

They did provide me with a receipt with a signature that isn't mine.Someone obviously copied it from the credit card they stole. 

Next they charged me for this amount again. It is {$1300.00} usd. 

I contacted an attorney after speaking with them on multiple occassions. We were not getting anywhere and they were not willing to speak with me any more. The attorney sent a letter which received no response. 

Attachments - Letter from attorney. My application of fraud. Copy of the Presentment. 

I do not beleive that I should be held accountable to pay this amount.

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 2018-03-06
Company: EQUIFAX, INC.
State: WI
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 have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.

Company response to consumer: Closed with non-monetary relief