BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
we DO NOT want you to send this correspondence to the company that we are complaining about -- Champion/ Nationstar Reverse Mortgage. We do believe we are due damages. Champion/ Nationstar -- erroneous began foreclosure procedures on our  property several times. They also added erroneous and extraneous fees to our bill. We would like to know how we can become a part of the class action lawsuit and take additional options. Please reach us at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there were some accounts the do not belong to me and I need them deleted immediately. These accounts are holding up my process in buying a new home and need the accounts removed. Accounts are listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I mailed two letters to USA from XXXX about 5 weeks ago XXXX has not received letters I made dispute about this already and {$12.00} was credited due to services NOT rendered Now I see rebill XX/XX/XXXX for {$12.00}, WHY? 
If XXXXXXXX XXXX has found my letters please let me know! 
If XXXX post responded, may I see response! 
What is going on, why rebill for lost delivery when 5 weeks nothing has arrived PLEASE CREDIT ONCE AND FOR ALL OR SHOW XXXX XXXX RESPONSE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. 

XXXX XXXX VEHICLE ACCOUNT DETAILS XXXX Account number XXXX Vehicle ID number XXXX XXXX, XXXX Account opened This vehicle was XXXX XX/XX/XXXX I'm writing because I was forced to turn-in my vehicle in XX/XX/XXXX because of unemployment due to medical issues that forced me to collect on XXXX. I attempted to refinance the vehicle which had a remaining balance of {$38000.00} with other creditors and with GMFinancial so that I could possibly make payments once my XXXX was approved. They denied the request. The vehicle was originally priced at {$52000.00} in XX/XX/XXXX when I purchased it and the payments were {$990.00}. I voluntarily turned the vehicle back in for repossession because I was ill, stressed, and unable to continue the payments. I requested a hardship discharge of the balance once the vehicle was sold with a balance of {$15000.00} still due. When I logged into the account, I read the statement : We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. Therefore, I assumed that they approved the hardship discharge of the balance. However, they have now began reporting the account 35 negative delinquencies from XX/XX/XXXX - XXXX XX/XX/XXXX. How is it possible for them to report negative payments when they stated they were no longer collecting payments? They said I may make payments if I choose. I spoke with them last week and explained that I can't afford to pay the bill off. I'm on permanent XXXX and they said I was not required to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: McCarthy, Burgess & Wolff, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We cancel the services rendered by XXXX on or about XX/XX/2019, a year later I received a collection letter from a company attempting to collect a suppose debt that allegedly I have with XXXX, I called XXXX and they said that the services were never canceled, proof that it was cancel Is the fact that I still have same services thru them but with another account number that is current. I never received a bill or anything. They claim that the services were disconnected due to non-payment when In fact I had already canceled such account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On the XXXX XX/XX/XXXX a fraudulent account was open at XXXX XXXX in XXXX Texas using my stolen identity. 
On the XXXX of XX/XX/XXXX, I reported this fraud to XXXX Fraud department. I was contacted by XXXX Fraud, who assured me that the fraud account would be closed and removed from the Credit reporting Agencies. 

On the XXXX XXXX I once notified XXXX XXXX and again requested this delinquent account be removed. 

I also wrote a letter to Trans union supplying both an affidavit, email correspondence from XXXX XXXX to substantiate my claim. 

Transunion has not investigated my dispute. XXXX XXXX has not notified Transunion of the fraud. Transunion sent me a " fraud kit ''. I did not request a Fraud kit, I disputed the account.

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 2018-03-16
Company: Altisource Portfolio Solutions, S.à r.l.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told by XXXX of XXXX XXXX, that they would work with me to get my collections issue off my report on XX/XX/2018. I was asked to send in paperwork, and I sent in the proper paperwork. As soon as I sent in the paperwork XXXX XXXX XXXX XXXX avoided my calls, and not responding to emails.

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 2020-04-28
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Direct Express bank has never corrected any disputes that I have filed with them. 
I have several cards with other banks and I never, ever deal with disputes that are not resolved in my favor. They treat everyone like they are criminals!! 

I made 2 purchases online for some electronics and never received the items. After being ripped off I did some investigating and found out it is a fraudulent company that is ripping people off. 
The dates of purchases are as follows : XX/XX/2020 {$54.00} {$68.00} The company name is XXXX Bank shows a name of XXXX XXXX as the owner and the person who stole those funds from me. 
I provided all this same info to the bank and I was never credited for those charges to my Mastercard! I filed the claim on XX/XX/2020 and was never credited for these charges. 
I have never been treated so badly then this bank does to customers. I am a XXXX American that receives XXXX payments from Social security. All my other cards and banks that I deal with has never treated customers the way they do. I am closing this account on XX/XX/XXXX, since social security can't update my banking until then. I'm sure you have had numerous complaints about this bank!!! 
I have other complaints, but will do a separate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like help enforcing a refund for my personal home loan regarding overpayment of my PMI. I'll try to summarize where I am at with this issue : About 3 months ago I realized my escrow accounts still dedicated some payments to PMI. I was shocked considering my loan to value of my home is under 40 %. My LTV has been under 80 % for close to 2 years, hence have been paying PMI for that length of time. I successfully had the PMI removed the middle of XX/XX/2020 from my loan and was expecting a refund for overpayment of the PMI. After several calls and requests for information with PNC, I still don't have any answers as to why I am being refused a refund. Not only did PNC fail to remove the PMI from my loan at ~20 % LTV , they are refusing to pay back the overcharged amount. I have a request in with a supervisor ( not sure how this hasn't happened yet ), and am still pursuing an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Nelnet, Inc.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I applied for a XXXX XXXX XXXX or XXXX XXXX loan for the amount of {$4000.00} for the XXXX  and XXXX semester. After about XXXX to XXXX years later I received a letter from them saying that I had to start paying for the loan and I was paying {$15.00} a month after year to XXXX I realized that I was paying this loan to XXXX different companies so I stop paying. About XXXX years later in XXXX I received a letter in the mail that I have been XXXX and I have to go to court on XX/XX/XXXX was my court date I think so. For some reason I wasn't able to attend my court date so couple of months later I received a letter in the mail that I loan increase to {$8000.00} and they are going to be collecting the payments from my paycheck. So I was paying {$800.00} a month for about XXXX to XXXX months and they send me a letter that my loan was paid off. But I have been checking my credit and I still seem account or companies still my credit report saying opening and account has been transferred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX {$4800.00} XXXX XXXX XXXX IN XXXX {$480.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: PNC Bank N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I would like to send money to XXXX XXXX savings from my PNC bank account. Many other national banks are doing this, and I would like to as well in order to help me keep my savings. 
PNC uses all sorts of digital transfers and for whatever reason is not allowing this one. I have been trying to add money to my XXXX XXXX savings for months and consistently get the error that something on the PNC end is not allowing the transfer to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I asked for my overpayment all be allocated to principal. The person who responded pretended that I had not made a request, and instead chose to respond as though I asked a questions, and did not follow my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
company involve is expirian the are reporting wrong information on my credit report also after 2 month of my dispute the did not put the notice of dispute this is a violation of secction 623 of FCRA the account are the following XXXX XXXX XXXX account XXXX XXXX account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
REMOVE THE ATTACHED FTC VIOLATIONS

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 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One 's continued predatory credit card solicitations. I have filed 3 previous CFPB complaints against Capital One for new credit card solicitations by mail and telephone ( CFPB Complaint ID XXXX, XXXX, and XXXX ). Those 3 Complaints were for harassing me personally - XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX PA XXXX in XXXX, XXXX, and XXXX. I personally have not received any solicitations since XXXX. Now, Capital One credit card solicitations are coming to my address ( XXXX XXXX XXXX, XXXX XXXX PA XXXX ) addressed to my sister XXXX XXXX XXXX - EVEN THOUGH SHE HAS BEEN DECEASED FOR OVER FIVE YEARS, AND HAS NEVER RESIDED AT XXXX XXXX XXXX, XXXX XXXX PA XXXX. Also, she was on XXXX for the last approximately 5 years of her life, and Capital One pre-approves her for " up to {$2500.00} credit limit- per attached document!!!. 

This on-going, over six-year cycle of harassment has caused me tremendous emotional distress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
During my CD renewal period, I called the local branch where I have banked for years to ascertain their current interest rate. I was quoted 1.4 percent. I left my CD in place in the sum of {$30000.00} and my first month of interest posted on XX/XX/XXXX in amount of {$6.00} and then {$6.00} on XX/XX/XXXX. I contacted XXXX, Branch Mgr., on XX/XX/XXXX and he said call corporate. Extremely disappointed and dissatisifed. I began contacting their Corporate office and spoke with a XXXX on XX/XX/XXXX who transferred me to their Executive Office. I spoke with XXXX of the Executive Offices Case Mgmt. Team and was assigned a case management number. I had received an emailed from bank stating I would hear in 3 days from XX/XX/XXXX. To date, never heard from anyone! I was waiting for a case manager to be assigned and was not assigned one for at least 10 days, at which time I called the main executive office and spoke to XXXX once and requested info and another time with XXXX. XXXX walked over to the case workers ' department and a XXXX provided me with her direct number and said she would work on my case, even though it was assigned to someone who was out of the office, and get back to me. I called XXXX many times and left voicemail messages. I left messages and no response. Again, I called yesterday, I spoke with XXXX for a second time at the main executive office and demanded an upper level supervisor. I held on with her for 35 minutes at which time she cut me off and never called me back on my home number or cell number. I called the main number back immediately and spoke with XXXX who does not know XXXX. He said XXXX is no longer working on my case. After 25 mins, he told me there was nothing he can do in his attempt to locate a supervisor and then transferred me to square one. I am at my wits end. I explained that we are seniors and need the rate we were promised and I want my interest rate back dated. I also stated that I would contact the Dept. of Banking & Finance if they refused to handle my account and do the right thing. Please help us to receive the promised interest rate expected, as quoted, since XX/XX/XXXX. The CD is for 9 months. I am into the third month at this time. The banking institution does not care about their loyal customers, in my opinion. I have not returned to this branch except for the cash machine. As a senior, I have had many CDs throughout my life, and I never had any issues with the bank and I know how renewals work. Thanking you in advance for your help during this time and I hope that this situation does not happen to another consumer.

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 2021-07-10
Company: EQUIFAX, INC.
State: MO
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

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