BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-23
Company: ENCORE CAPITAL GROUP INC.
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:
XXXX XXXXXXXX XXXX has been improperly reporting an old account that is no longer open. The account is a paid charge-off account. The balance was {$380.00} dollars and I had paid {$320.00} dollars to settle the account back in XX/XX/XXXX. The issue is that XXXX XXXX XXXX  has reported the account as failed to pay in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XXXXXX/XX/XXXX. Those 4 marks had greatly impacted my overall credit score and they should not be listed as failed to pay. They in fact should be listed as a charge-off in the payments history. Having 4 failed to pay marks well after I had settled the account isn't proper credit reporting. This has damaged my credit and so be remedied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no unpaid outstanding accounts with XXXX/XXXX and I am a current customer. 
ICSystems demanded a debt {$380.00} from an old XXXX/XXXX   acct I didnt recall. I called XXXX & paid in full for old equipment charges and they advised they would let ICsystems know in XXXX. ICsystems instead of removing the account misrepresented and are trying to collect a reduced amount of {$150.00}. 
XXXX are trying to collect a fraudulent amount of {$120.00} from XXXX whom confirm i do not owe any money from any accounts. 
It is a continual harassment and too much XXXX they are putting on me during this difficult time.

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 2018-06-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have already submitted a complaint regarding Chase Bank # XXXX ( and as hard as I've tried, I can not reset my password ). I had applied for a loan modification, in which I had financially qualified for, but after 6 months of waiting and submitting ALL paperwork/documents requested, I was denied. The reason for my denial was 'not primary residence ' when I SPECIFICALLY asked that very question BEFORE I applied.

However, to top that discrimination, I have now received an huge INCREASE on my mortgage payments of {$50.00} ... .I already have a hard time paying my mtg, so why would Chase increase it? Can you help with this problem as well as my original one?

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2019-03-28
Company: Gragil Associates, Inc.
State: MA
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:
Hello- On XX/XX/2018 a collection item was added to my credit report this is what it looks like : Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , MA XXXX thats it, no phone number and no company name. How am I supposed to clear this up if I do not know who it is from? 
Please advise the best action to take. 
Thank you- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX notified me today when I paid my monthly car payment online, that starting next month I will be charged a {$3.00} XXXX XXXX XXXX XXXX Fee unless I enroll in AutoPay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan administrator, LoanCare NMLS # XXXX, is charging on a One-Time Draft Fee Schedule based upon timeliness of reception of monthly payments. Per the Loan Agreement that I signed upon the closing of my home, I am allotted a 15-day period following the due date to remit payment to the loan holder without penalty. There is no stipulation as to whether the loan holder can charge me fees based on how I remit payment ( whether that be one-time, or auto-drafted ). 

The fee schedule is as follows : On or before due date - No Fee 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} I was not given an option to agree to this schedule when LoanCare purchased my Mortgage from XXXX XXXX XXXX , XXXX, NMLS # XXXX in Fall of 2019.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal AcXXXX. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates

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 2018-05-24
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted XXXX XXXX and was told that my payments qualified for deferment/forbearance. i returned all required documentation, however I continue to receive bills in the mail. I qualify for the above deferment/forbearance due to loss of income, unemployment and receiving government assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I made a transfer in American dollars from my account at XXXX Merryll Lynch to my account in XXXX. However, this transfer was not made and the money was not deposited in my account in XXXX. I was instructed after 20 days to resend the money. There was a charge of USDXXXX plus a fee of USDXXXX which I do not agree with. The responsibility for the error was not mine. The transfer was redone, but I was still unable to receive the money in XXXX. I have been waiting for 60 days to solve this problem.

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 2020-08-26
Company: WELLS FARGO & COMPANY
State: FL
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:
I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO BANK with no successful resolution. XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2017, XX/XX/2017 ), also I was never 60 days late ( XX/XX/2017, XX/XX/2017 ), lastly I was never 90 days late ( XX/XX/2017, XX/XX/2017 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 2021-06-09
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been having an ongoing problem with Santander Consumer USA reporting inaccurate/fraudulent information to XXXX. This account has been closed and paid in full since XX/XX/XXXX. On XX/XX/XXXX I got my XXXX credit report and it showed late payments listed in XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) ( proof uploaded ). I called XXXX spoke with a Supervisor for over 2 hours and they said they only report what Santander provides them. They put in a dispute and said I needed to call Santander directly. I called Santander and spoke with an Executive Manager Representative, she was baffled as to why my credit report would be updated to show late payments after the account was closed and paid and full. I provided her with my credit report showing the inaccurate fraudulent late payments. She said that's not what they reported and worked diligently to get those removed. Due to those fraudulent late payments added to my credit report it caused my score to drop 20 points. It took a few weeks and those late payments were removed for the XX/XX/XXXX credit report, it only reported one late payment XX/XX/XXXX ( 60 days late ). Then on XX/XX/XXXX more fraudulent late payments were added to my Equifax credit report again listed as XX/XX/XXXX XXXX 60 days late XXXX, XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ). I called XXXX again explained the issue for hours, they just put in a dispute and told me to call Santander again. My score dropped tremendously once more. It was eventually fixed on XX/XX/XXXX showing only a late payment in XX/XX/XXXX ( which is also inaccurate ). When I check my XX/XX/XXXX credit report it now shows late XX/XX/XXXX and XX/XX/XXXX. I called Santander to dispute this new late payments and asked to speak to an Executive Manager. I was told that I would receive a call back within 3-5 business days, but have yet to receive a call back. This reporting of inaccurate late payments being put on my credit report and then being taken off has been going on for years. This issue needs to be rectified once and for all with the deletion in entirety. Proof of each of the months that were mentioned from XXXX XXXX credit report has been uploaded. I uploaded XX/XX/XXXX as well to show how it was only reporting XX/XX/XXXX and XX/XX/XXXX late prior to the XXXX issue, but in XX/XX/XXXX there was only XX/XX/XXXX late payment. How these late payments are being reported to XXXX are being sent arbitrarily with no one knowing how or why its being reported that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells fargo deleted my online account without notice causing me to delay my payment again due to there long activation process for setting up a online account. This is causing me a inconvenience and having to mail a check delaying the payment I want to make on a specific date and time. This company has done this to me before and a complaint was filed here. Wells fargo has bad business practices and still continue to make things difficult for there customers.

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 2019-03-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see attached letter.

I want to make it clear that I contacted the Security Dept as soon as I was aware of the fraudulent charges, and have attempted to resolve this numerous times. I have spent a lot of time trying to resolve, and have encountered much frustrating disfunctionality with the phone system and the Security Dept in general. It has now been four-and-a half months with no resolution.

This is not a lost or stolen card situation, rather a skimmer type thing.

Citi is not disputing the fraudulent charges. This is a billing issue. Because I have only been paying my actual purchases every month, a considerable amount of interest had been adding up.

I had to choose an area in step 2, but not quite correct : it's a billing error about fraudulent charges.

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 2021-06-09
Company: Bull City Financial Solutions, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was denied credit for a credit line I applied for and was denied. Once I was made aware I pulled my report and there was a collection in the amount of {$180.00}. I did not receive a 30-day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ok so ive verbally told this company over the phone now 4 times .... they called today everytime from a different number ... i need to talk to a attorney, im done with this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Kohls Charge Credit Card where I make a XXXX $ minimum payment. I lost my mother early 2019 to XXXX XXXX. After she passed I went through so much financial hardship and was late on a few payments with a few companies ( including this one ) the year of 2019. In this specific case I was late on XX/XX/2019. I tried to set up a new payment plan to get me back on track, but the servicer wont negotiate. I cant see my credit card number on the card anymore the numbers faded away. I can verify via SSN, DOB, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: JP RECOVERY SERVICES, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving harassing and repeated telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller id to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from a JP Recovery Services located in XXXX XXXX, Ohio. The most recent call came from XXXX XXXX XXXX XXXX. According to their website they are " [ a ] nationally licensed team of healthcare professionals [ that ] works with hospital systems, physician groups and private practices to achieve optimum recovery on any type of account. '' Furthermore, they " integrate cloud-based technology, analytical recommendation software, and multi-channel communications to assure that we are offering the best options to patients. '' It also appears that XXXX ( a credit reporting agency ) is a technology partner. To date, I do not have record of receiving a written validation notice from JP Recovery Services regarding any alleged debt owed and my rights to dispute the validity of such alleged debt. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
XXXX XXXX and Santander reported inaccurate information to XXXX  which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
At the end of XXXX my mother became very ill. I took on the task of being her full time caregiver for ten months until her passing in XXXX of XXXX. During that time I had asked my son to make sure the mortgage was paid, however he did not follow through and my mortgage company contacted me telling me I had fallen behind. They then told me to send approximately {$27000.00} or I would be foreclosed on. I was still mourning the loss of my mother but cleared my savings and sent them the money. After sending the money, my mortgage company called again and stated that I would need to send an additional {$8000.00}. I had no saving left and was unable to comply to their request. They also advised me that my payment would be increasing. I then hired XXXX XXXX to get my mortgage back on track. On XX/XX/XXXX a third party authorization was sent to my lender allowing XXXX XXXX to speak on my behalf. We applied for a modification in XXXX and Ameris would not convey missing documents to XXXX XXXX and communication was almost impossible. On XX/XX/XXXX XXXX XXXX from XXXX XXXX began inquiring about the large charges I had already paid and who were they paid for and how were they dispersed. Ameris advised to send a written request. The attached request was sent to Ameris on XX/XX/XXXX. We received acknowledgment of receipt of the inquiry dated XXXX XXXX. On XX/XX/XXXX XXXX agent ID XXXX and was told the research would take 30 days. On XX/XX/XXXX XXXX advised an email was being sent to an agent to expedite the research request. A subsequent call on XX/XX/XXXX we were told no one was working on it and they would not respond. A payment history was ordered through customer service and is attached. On XX/XX/XXXX Ameris rescinded the authorization for XXXX XXXX and will not speak to them. I still do not know where my money was applied and what I was charged for. There are multiple charges that are not explained and Ameris is refusing to explain. There is excessive attorney fees and I do not know what they are for and Ameris will not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit report has an identity fraud on it yet my credit is still being pulled. I am currently stationed in XXXX and someone is trying to establish credit in my name fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
A solar panel loan was obtained to install solar panels through XXXX XXXX. The panels are not performing as stated in the contract and the loan company has not addressed this with the company. In the meantime I still having electric bills and also paying the installments for the loan. I have reached to the solar company and they have refused to solve the issue.

Company response to consumer: Closed with explanation