BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection from XXXX XXXX XXXX for {$210.00}. I do not owe this debt, I have had XXXX. I have disputed this balance and provided proof that I was with XXXX  at the time this balance was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Keynote Consulting, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Collection agency called my home at XXXX XXXX They can't call before XXXX XXXX  california law.

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 2018-06-11
Company: Experian Information Solutions 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:
For the last 4 months I have been asking Experian and XXXX to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with Experian on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XXXX XXXX, I contacted XXXX and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, 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 2020-06-26
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I posted a welding machine on XXXX for sale. An XXXX  customer contacted me and gave me his phone number XXXX XXXX XXXX XXXX to text him about the machine. I did contact him he ask how much you want for the welding machine I told him {$1300.00} he agreed with The price and he told me he is going to send me a cashier check for that price plus some more for the mover who's going to deliver the machine to new York. in two days I received the cashier check for amount of {$2800.00} via USPS priority mail express That was on XX/XX/2020. 
I deposited the check and waited for one day after the check was cleared I even called The bank to confirm that the check is good and they did confirmed that there is no problem. after all I thought the money is in my bank and there is noting to be worried about meanwhile the fake customer contacted me and ask me to send a remining balance which is {$1500.00} to his mover to come to pickup the machine via zelle transfer. I transfer the fund on XX/XX/2020 in about three days I received a notice from bank the cashier check was Alter/Fictitious and they deduct the fund out of my account. I tried so many time to contact the fraudster obviously no respond. I called the XXXX XXXX XXXX  and filed complain with them. check case # XXXX Zelle claim # XXXX But when I research zelle transactions on the internet it Happened to so many people and zelle never refund them back. But according to Zelle On their web side under the tab : understanding fraud & scam it says because you did Not authorized a payment you are typically able to get your money back. How ever it Refers in case if some body hack to your computer but this obviously was fraud and Crime. This the Email address and name of recipient XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An identity theft dispute with full documentation including a valid Limited Power of Attorney, authorizing XXXX to dispute the account on XXXX XXXX 's behalf was submitted to Walmart / XXXX XXXX via fax on XX/XX/2018. Over the course of the next 2 months, Walmart 's Fraud Department was contacted on several occasions in order to determine the status of the fraud dispute. We were told the dispute takes 60 days, during which time the account would not be removed from the credit history of the victim. This is in complete violation of the Fair Credit Reporting Act. Now that we have passed the 60 day mark, I contacted Walmart 's Fraud Department once again only to be told that I could not obtain the status of the dispute as the Limited Power of Attorney was still on review and had not been 'approved ' whatever that's all  about.

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 2021-05-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting XX/XX/XXXX Community Loan Serving started charging me an additional {$55.00} monthly. They know I'm on a Forbearance and am struggling. 
I called about this additional charge and was told by a rep it was for a late fee. I told the rep I was not late. The Rep. instructed me that the only way to get it removed and/or get reimbursed was to contact customer service in writing and wait for 30 days for a response. 
I contact customer service in writing, and waited the 30 plus days ... .and then was told it was not a late charge it was property inspection fees and they will not reimburse me. 
That was fine except now, every single month since XX/XX/XXXX until now XX/XX/XXXX the charge remains on my bill for me to pay monthly, and I am forced to pay it, the amount is always {$55.00} dollars and not related to the normal mortgage amount. And no matter what I pay my account goes into suspense. 
In XX/XX/XXXX I received a letter stating that an Audit was issued and I have been indeed over paying and they are going to reimburse me. With this letter was no check or the amount that was due to me for the over payments. 
I called and spoke to a rep which told me she will issue me a {$55.00} check but the remainder of what is owed to me I'll have to fight for it by contacting customer service and waiting for 30 days to hear from them. 
I instead am writing you in hopes you can help me. As I am absolutely confused and exhausted with dealing with this lender for many inconsistencies. Meaning, this is not the only problem I am encountering with Community Loan Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was informed today by my homeowner 's insurance company that my mortgage company did not make the required and properly impounded payment. When I contacted my mortgage company regarding their error I was told they had changed vendors, however they informed me this change had occurred AFTER my payment was due. They were unable to correct the issue and told me my only avenue was to have the insurance company contact THEM.

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 2020-10-12
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:
XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On XXXX  is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On Equifx # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. XXXX  # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been trying to log in to their website and see my credit score and report and I cant see nothing and Ive tried contacting them numerous of times and they just forward my calls or cant tell why that is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I received an email that someone was trying to access my account from unauthorized computerI immediately contacted my bank Wells Fargo ask them to place a freeze on my account which day did they said the only way to access my account would be too coming to the local branch and do transactions that wayI thought everything was fine few days later someone went in my account and sent my account into the negative {$1000.00} Wells Fargo said they would investigate it would take up to 90 days after their investigation they closed my account and trying to hold me responsible for the money taken out of my accountafter research I found it Wells Fargo has done this to several other people in the New York area this is not the first time that they've done this

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 2019-01-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is an update to my most recent complaint concerning USAA. The bank did not let me speak with the President, Vice President or CEO. Instead they had a specialist contact me by email which did not address the matter whatsoever. They stole my XXXX refund, told me I had no basis for a claim and reversed the credit they issued me and billed my account for it ( XXXX ) thereby limiting me to getting the refund from XXXX yet they stole the refund because ( I have no claim ) so they must give it back to XXXX so I may begin the claim process ( because they can not steal the refund AND bill me for a reversed credit ). Please have a senior officer contact me because there is serious corruption at this bank internally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
This account was closed for over 10 years but stills shows on my credit report as active.

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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been trying to log in to their website and see my credit score and report and I cant see nothing and Ive tried contacting them numerous of times and they just forward my calls or cant tell why that is happening.

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 2022-10-04
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, a collections account was added to my XXXX and XXXX XXXX XXXX by Amsher Collection Services by the original creditor XXXX XXXX XXXX for {$250.00}. I have made several attempts to contact the Collection Agency to inform them that the collections account does not belong to me, but they chose to not reply now. 

The address associated with the collection account does not belong to me, and I have never owned/rented that property. I have also disputed the address and have got it removed from my credit profiles by the bureaus. 

The collection agency also did not send any information regarding this account, and I wasn't contacted by anyone. I did not receive any email, call, mail regarding the debt. I got to know about it when it was fraudulently added to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I 'm no expert on this topic and the terms are confusing to me. Part of the problem is that these loans were never properly explained by the school or the lender. After Navient took my loan from XXXX XXXX I called to discuss repayment options. I was clearly talking to a foreign call center somewhere as the first couple of people I talked to had very strong accents and it took a few tries to get someone I could understand at all. I think I may have been misunderstood in my intent as I believe I was put on some sort of " forebearance? '' payment plan. This extended my loan unnecessarily. I should have this loan paid off by now. I tried contacting Navient today and managed to get in contact with a very rude ( but easy to understand ) person who put me on hold indefinitely. They clearly do not want to receive phone calls as they do n't post the number anywhere I could find ( took a number of XXXX  searches ) and I had to battle through the robotic menu system to get a real person. I was hoping to discuss some sort of large, lump sum payment to be done with this company for good, but I was just treated poorly once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: EASTERN BANKSHARES INC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
EASTER BANK IN MASSACHUSETTS increased my mortgage even if I pay my own homeowners insurance.Tax did not go up and they created involuntary savings account to gain extra funds they can loan further.There is excess of {$850.00} on our escrow unused. 
We contacted them multiple times but no response. 
We asked for a refund. 
XXXX XXXX Loan 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 2019-01-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir/Madam from Consumer Financial Protection Bureau : Please reopen my Case No. XXXX-XXXX. Please refer to the letter below : Dear Sir or Madam : The information in Shellpoint answer to my original request and/or complaint has a lot of misinformation coming from Shellpoint that is why I sent the second complaint to make the information to you since you, The Consumer Financial Protection Bureau, in order to open a new case to be properly reviewed by your Office and by Shellpoint/XXXX  XXXX XXXX/XXXX  and the right answers to my question including what happens to the excess money if XXXX sells the home for more than the amount required to pay back Shellpoint and XXXX  XXXX XXXX because you already closed down my original complaint or case. If CFPB allows Shellpoint to answer incorrectly and incomplete information then where can consumers like us go to for help? I would just like to appeal to people with reasonable and logical way of approach for the best solution that will be most beneficial to all. Please note that XXXX  XXXX XXXX and XXXX did my family a great disservice and although the government penalized them for their mistakes or illegal practices, my family until now had suffered and affected by such practices. 

Please understand our plight and situation as the only request I have made is to give us the time and opportunity to properly sell the home in order that Shellpoint, XXXX XXXX XXXX, and XXXX XXXX XXXX will be paid properly. 

Again, we would like to know what happens with the extra money if during the trustee sale, the amount paid to XXXX is more than the $ XXXX+ amount required by Shellpoint and XXXX  XXXX XXXX because the current value of the home is {>= $1,000,000} to {>= $1,000,000}? 

Thank you very much for your help and quick reply. 

XXXX XXXX, Trustee of the XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: CA
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:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters that were sent via certified mail XX/XX/2020 .It has been well over 30 days and I haven't received any investigation results.

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 2019-01-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so. 
In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago. 
This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX  XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX  and XXXX. 

I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX. 

I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX. 

Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life. 
Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine. 

Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report. 
I have also attached my Social Security card and Florida Drivers license. 

At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL 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 2018-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I filed a previous complaint for putting false information on my credit report showing a collection belonging to another person. They said they could n't find any false information, then sending a copy of my credit information which CLEARLY shows the wrong information in it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Federal government issued a halt on all federal student loans collections until further notice due to the corona pandemic. The federal government sent a letter to my employer XXXX XXXX XXXX to cease preforming a bi-weekly 17 % collections of wage payments to the collection agency Professional Bureau of Collections of Maryland until further notice. 
My loan is not in default if it is placed on hold by the government due the countries pandemic. and Professional Bureau of Collections of Maryland Inc should not have reported to XXXX  credit agency that I was {$4800.00} in default. When it was professional bureau of collection that stop taking the money. Now this agency has cause sever damage to my credit rating.

Company response to consumer: Closed with explanation