BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: LENDING COMPANY, INC., THE
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I received repeated calls that indicated Unknown and Spam on my cell number that is associated with my personal, unsecured loan account. Finally, I decided to answer the number that displayed Unknown. The representative proceeded to advise me that he was from the XXXX XXXX and needed for me to verify my account before providing any information. 

I said, " WAIT, hold up ''. " You are advising me that you are from the XXXX XXXX, who has all of my personal information and data, you " proactively '' call me and then ask me to provide you with my personal information. Is this a joke? '' The representative advised " well, I assure you, it's necessary and even though we called you. I advised this seems strange and not a practice that you should be conducting. The XXXX XXXX proactively called me from Spam and Unknown number and thought I would just voluntarily provide my account information. Are they insane? Perhaps they have become ignorant to all the ID Theft and data security breaches occurring against everyday citizens. This was not me calling XXXX XXXX, it was the XXXX XXXX proactively calling me from an unknown number. This is a horrendous and sketchy practice. 

To add more fuel to this fire, I decided to call XXXX XXXX back at XXXX to speak with a representative about the previous calls and determine if valid. This was a mistake. Although, I learned that the calls were valid! Apparently, the auto-debit from one of my personal loans was turned off and they wanted to speak about a payment. However, the representative was hostile and rude. I could not believe that a firm that has been my go-to financial institution for small personal loans went to XXXX in a hand basket so quickly. Since I called in this time, I was more than happen to know my account information needed validation but she kept cutting me off as I was trying to verify. She was impolite, apathetic. She was only focused on getting my loan payment matter sorted. I advised and authorized her to ACH debit agreed upon account and then asked to speak to a supervisor. She placed me on hold and advised that I would have to be put on a list to get a call back. I never did.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-07
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I switched insurance company 's before my renewal with XXXX  and went with XXXX, i eventually found XXXX sent this matter to a debt collect as if i was obligated to continue my business with them and owed them {$730.00} renewal charges. 

I will attach the new policy insurance card that is dated XX/XX/2016 with XXXX, never a laps on my insurance. 

This was written off XXXX by XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I disputed an account on my credit report and asked for it to be removed per inaccurate information. I received notification that it wasnt reporting on Equifax report. I called agency because when I pull up my credit report it is still showing and they have no idea on how and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was sent as an ACH Transaction from my Bank ( Chase ) in the amount of {$830.00} on XX/XX/2018 to Address : XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. I have called the number on the back of the card and spoken with this department 8 times and was told, eventually, that the payment had been rejected, yet it never showed back up in my Checking account at Chase Bank. I have also spoken to personnel at the Credit Union and Chase Bank on several occasions each. The Credit Union told me it was not their problem and I needed to take it up with XXXX XXXX. XXXX told me it wasn't their problem and I needed to take it up with my Bank. Chase researched the matter and I was given a temporary credit to my checking account. After looking into the matter the credit was taken back out of my account with the explanation that the payment had been rejected by XXXX  but was not returned to my checking account. In Chase Bank 's own words, this did not " Constitute a fraud '' therefore they were not liable. This leaves me with making 2 identical payments for the same balance. I used the credit they gave me to pay off the credit card by sending the payment of {$830.00} directly to the Credit Union that issued it to me ( XXXX XXXX XXXX, XXXX, TX ). But when the {$830.00} was taken back out of my account, that left me with a deficit of {$830.00}. The original payment of {$830.00}, made on XX/XX/XXXX, that was never returned to my account, and an additional payment of {$830.00} that I sent to the CU to pay off the card. I have provided a proof of payment to the Credit Union,  XXXX and Chase Bank, but in the end, I was left with a loss of {$830.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NUMEROUS LETTERS FROM RESURGENT CAPITAL SERVICES, AND NUMEROUS OTHER COMPANIES LIKE, LVNV FUNDING INC, THAT RESURGENT CAPITAL SERVICES IS DOING BUSINESS AS CONCERNING A CREDIT CARD DEBT FROM 20 YEARS AGO THAT WAS CHARGED OFF 15 YEARS AGO. I HAVE COMMUNICATED MANY TIMES WITH RESURGENT AND RESURGENT 'S OTHER COMPANIES, THAT THIS IS NOT MY DEBT AND TO PLEASE STOP. RESURGENT ET ALL CONTINUES TO USE THE US XXXX XXXX TO HARASS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through Synchrony. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or Synchrony until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called Synchrony and they told me to call XXXX. XXXX told me to check my credit report and call Synchrony. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.

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 2022-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid the property tax bill for this mortgaged property in error on XX/XX/22. The Treasurer 's Office for XXXX XXXX, VA sent a refund check in the amount of {$1000.00} to Citizens Bank on XX/XX/22. After multiple calls to Citizens Bank Customer Service between XX/XX/22 and XXXX, we have only received a refund of {$820.00} despite the fact that all loan payments ( including the escrow portion ) have been made in full and on time for the last 4 years. There is no justification for withholding a portion of this reimbursement in the escrow account controlled by the bank. There were sufficient funds in the escrow account when they made the tax payment, and they have been fully reimbursed by the taxing authority. 
Please assist us in receiving the full reimbursement we are owed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hi, It starts with my mom dying on XXXX  morning XX/XX/2017. This was totally unexpected despite her age of XXXX. After working on her bills, we found no money and a few bills that she had kept up with. We found a checking account with Wells Fargo and a home equity line of credit that was used up to XXXX. We were and are so surprised she would do this and not mention anything to my brother or myself. I don't believe she ever thought it was tied to her house. She loved her house! My Father built it by himself a little after he was released from the XXXX when XXXX ended. The Line of credit was pushed on her by Wells Fargo and she thought it was a credit card I'm sure. She was dead but a month when Wells Fargo started leaving messages on the door that they were changing the locks.I called the Police because I thought we were being scammed. I couldn't believe this was happening!! Being locked out of my Mothers house with all personal things inside. This line of credit that was pushed on her was to be paid back by XXXX. Anyone would know she would be dead by then but the house would be there for the taking. When she died they wasted no time trying to do so.When we called they referred to the house as being there house.

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 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX  has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked XXXX  on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.

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 2021-02-20
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My funds were low in my account. I turned off my bank debit card on the Bank of the West App ( turning " off '' your debit card prevents charges from being made against the debit card. It is a feature of the Online Banking App ). I was not informed about a problem, nor was I given the opportunity to make things right with my bank before I was charged an obscene amount of punitive Fees. These fees are predatory in nature and even though I work for Bank of the West, this is not an ethical or lawful practice which is why I am reporting this to you. I also need the CFPB 's help recovering the fees that I'm being charged in the amount of {$160.00} In other words, I am asking for the CFPB 's help in getting a refund of these abhorrent fees from Bank of the West which are both punitive, predatory and inherently discriminatory. 

The Fees are broken down as follows : {$35.00}, {$30.00}, {$25.00}, {$35.00} and {$35.00} for a total of {$160.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Creditors collections bought the contract from XXXX. XXXX claims I broke the contract with them when in fact XXXX  broke the contract when they sold there company to XXXX. I received a letter from XXXX  telling me to switch to XXXX  so that is what I did also XXXX closed all of there stores. I do not feel I broke the contract when I did what XXXX told me to do it was only after the fact that XXXX told me I would have to buy out my contract if I had been informed of it I would have left it alone. Again I did what XXXX told me to do and that was XXXX is now XXXX   and switch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: AL
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 sent 4 letters to Equifax asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information 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:
I sent XXXX a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.

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 2021-11-29
Company: Experian Information Solutions Inc.
State: WA
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:
I paid my mortgage off with XXXX XXXX XXXX in 2019 however Experian is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with Experian and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never 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 2018-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have attempted to cancel our PMI several times and have followed all the requirements that Wells Fargo has instructed us. Our LTV Ratio was 79 % and XX/XX/2017 we requested that our PMI be removed because we had got below the 80 % mark and Wells Fargo required that we pay {$200.00} for a Broker 's Price Opinion ( BPO ).

We complied and Wells Fargo sent XXXX XXXX of XXXX XXXX XXXX in XXXX Texas. XXXX devalued our property just below the required minimum so that we would have to continue to pay PMI to Wells Fargo. Base on our appraisals and another BPO performed by another relater in XXXX, we believe that the agent acted in the benefit of Wells Fargo and that we have paid in more than required to cancel the PMI. We have also disputed the case using the guidelines at Wells Fargo providing evidence that out home is worth {$210000.00} and they denied the request. Please help us.

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 2018-04-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018 I was charged XXXX over a total of 11 transactions for purchases I did make. I immediately made Paypal aware that the transactions were fraudulent. 

On XX/XX/2018 the disputes were closed and paypal removed the monies from my account. 

XXXX ( the transaction processor ) support is stating in case # XXXX they have made paypal aware the transactions are fraudulent. 

I have a few concerns here that I think are relevant to the CFPB. 

1 ) I'm not sure how this refund has not been processed and how I am having such difficulty talking to a human. There are not corresponding transactions now on the XXXX side as they have cancelled them completely. 

2 ) I'm not sure how funds were debited from my account in the first place. The " payment method '' used was set up 10 years prior for one time use, and was an agreement between myself and XXXX. To my knowledge I never authorized XXXX to debit my account and I never entered into a billing agreement with XXXX and Paypal Inc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2020-08-31
Company: MIDFIRST BANK
State: TX
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:
WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL XXXX CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH

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 2021-05-02
Company: Experian Information Solutions 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:
I have disputed this XXXX account for over 5 months and the credit bureaus have yet to update the status of this account. This is violating my rights as a consumer. The credit bureaus must remove any inaccurate account from my credit file. I first disputed this account because the payment history shows that I was 120 days late 2 months in a row. This is not possible and is inaccurate. The credit bureaus also have not update the status date or included any comments that this account has been disputed. This is also inaccurate and the account should be deleted from my credit file.

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 2018-04-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  is reporting two closed accounts on my XXXX   credit report. Both accounts show a balance of {$380.00}. One is shown to have been opened XX/XX/XXXX, the other on XX/XX/XXXX.

They have been doing this for many years though I have asked for them to remove them.

Also, XXXX XXXX   has never validated the debt with me though I asked them to do so in XX/XX/XXXX and in XX/XX/XXXX. Without validation I can not know if these 7-year-old accounts are mine. I do not believe they are mine.

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 2021-04-27
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called company Aldridge Pite Haan LLP on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after XXXX XXXX XXXX XXXX agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after 15 minutes of being on hold. Company supervision needs to reach out to me as they have promised.

Company response to consumer: Closed with explanation