BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: RGS Financial, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a residential internet account with XXXX XXXX during XXXX of XXXX in XXXX, XXXX. When opening the account at the XXXX store in XXXX ( located at XXXX XXXX XXXX XXXX XXXX # XXXX ) I purchased a XXXX  brand modem. We continued internet service with XXXX through the summer of XXXX, when we moved to XXXX. When I called to transfer service to our new address, I was told that because I was moving to a new region I would have to set up a new account, but that XXXX would transfer everything over for me. While transferring our service ( according to someone I spoke with at XXXX  this past fall ), the technician erroneously marked that our modem was rented, and not owned, even though everyone I have spoken with at XXXX has told me they have been able to see that I did indeed purchase the modem. Even though XXXX knew I purchased the modem, they erroneously charged me a second time, and later sold the modem " debt '' to a collection agency called XXXX XXXX XXXX around XXXX of XXXX. It took me until XXXX of XXXX to establish with XXXX that I did indeed own the modem, that I had purchased and paid for it in full when I set up our internet service in XXXX, and that the account never should have been charged off. I was told that the matter was settled, and the debt was removed from my credit reports in XXXX of XXXX. However, I found out earlier today that my " debt '' was sold to another collection agency-this time to a company called RGS Financial. I don't know if XXXX XXXX XXXX sold off a debt that doesn't exist or if XXXX once again charged off my account despite having mountains of evidence that I owe them no money, but neither are legal. Attached to this are screenshots proving that this was removed from my credit report previously, and that I currently do not owe XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XX/XX/2017 Monthly payment XXXX dollars. I reached out to company and asked for a good will due to situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Neighborhood Capital Funding, Inc.
State: IA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have a home built by XXXX XXXX XXXXXXXX. Everything with our mortgage was through the office in XXXX XXXX, IA where we have paid our mortgage since XXXX. In XXXX of XXXX we received a letter from Affiliate mortgage services. The letter stated that they were our new loan holder. We called XXXX XXXX XXXX XXXX XXXX and was told by XXXX XXXX that they hired XXXX to do the book keeping. This is when our issues started. Right away we started getting letters ( Every Week ) stating that we were in default. We tried reaching out to XXXX with no success. It was everything from the name not being on the account, name was wrong, not authorized to speak to us, etc. They put forced placed insurance on us in XXXX without talking to us ( We have had XXXX XXXX for years and are completely up to date ). Then sent our insurance company a letter stating that they would be taking over our insurance. This resulted in three months going by with no payments made. We had to catch up last month ( Over {$700.00} to get current ) for the payments missed by XXXX. We are also receiving letters saying we are in default. Letters stating everything from {$95.00} to {$1800.00} behind. We are actually paid in advance by almost seven months. We have sent copies of all checks sent to XXXX by our bank ( We make our mortgage payments every two weeks directly form our bank account ) Bank records were sent to XXXX by our bank and us. Now habitat for humanity has disaffiliated the XXXX XXXX office in XXXX XXXX due to their numerous issues. We are being told that the XXXX XXXX office chose to keep their assets? Now today we just received another call from XXXX telling us that we are in default. I tried to explain the issue but was hung up on by XXXX. I called back and was told that they will call us if they can not get everything straight. We are not in default. Our lawyer noticed that they have put forced place insurance on us again and recalculated our escrow to be more than our mortgage payment. We have paid our own insurance since the beginning. We have documentation showing this. We are up to date with our payments for insurance, mortgage, taxes, etc. We have our bank records to show this as well. All of our payments are sent directly from our bank. Our lawyer suggested contacting you for help. Please give us a call so we can explain everything in greater detail Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Credit Central Holdings, LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They are trying to contact my Son. But, I have told them to stop calling me. This is a payday loan they tell me. They called at XXXX cst. when I advised the person XXXX I believe it was XXXX She said that was to bad. The next call came from a man that I again asked to quit calling me. Called me a rude XXXX. I have mailed a cease Calling me but, it doesn't work They call every other day with the same request to contact son, And was told they will keep calling until XXXX XXXX returns their call. I want them to quit calling me and they tell me they don't have to stop. They have called from XXXX and XXXX This Company goes under Credit Central and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: U.S. BANCORP
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have call XXXX XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from transunion hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care

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 2023-07-31
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: Experian Information Solutions Inc.
State: NC
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 have disputed the following errors on my credit report with Experian for years. There results keep coming back verified. I have also contacted the original creditors and ask that they send me the contract and agreement o had with them, they have not send contract or agreement because i never done business with them or benefited from there services 1, XXXX XXXX   # shows chargeoff 2. Social Security Adminsration show collection chargeoff The above accounts do not belong to me. Please help me solve this conflict

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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
there is a debt on my credit report from XXXX XXXX for {$1200.00} and I paid this debt in full on XX/XX/2019 through the Sheriff 's   Department. I disputed this debt on my report with TransUnion and they found that this debt is still active. 

I have a copy of the paid receipt. I will supply if necessary, but I do not have it scanned in at this moment. I want this debt removed from my credit report. If it is not removed and my report is not repaired to take this debt off, I will be notifying my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: SYNCHRONY FINANCIAL
State: GA
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2018-06-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
RE : Experian Report # XXXX ; TransUnion File # XXXX On XX/XX/XXXX, I sent USAA a letter requesting am investigation under FCRA Section 623 regarding tradelines I previously disputed with XXXX and XXXX. These inaccurate tradelines were incorrectly verified by the credit reporting agencies. 

My letter ( attached ) included report numbers from the above-mentioned bureaus ; my name and address ; the account numbers as listed on the credit reports ; and the relevant pages from my XXXX credit report ( attached ). 

This letter was sent via Certified Mail, Return Receipt. USAA received the letter on XX/XX/XXXX ( # XXXX, attached ). 

On XX/XX/XXXX, I received a response from USAA ( attached ) dated XX/XX/XXXX indicating that my dispute was frivolous and requesting the " specific accounts '' and " an explanation of the basis of the dispute. '' I object for two reasons : ( 1 ) All requested information was provided in my letter of XX/XX/XXXX ; ( 2 )  According to the FTC, the Fair Credit Reporting Act allows USAA to determine that a dispute is frivolous or irrelevant under certain circumstances but requires them to notify the person who made the dispute of that determination within 5 business days of receiving the dispute. This means that a letter determining my dispute to be frivolous should have been mailed by Friday, XX/XX/XXXX. USAA 's letter to me is dated XX/XX/XXXX, was postmarked on XX/XX/XXXX ( envelope image attached as Exh. " B '' ) and received on XX/XX/XXXX. Therefore, USAA has violated my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
A REQUEST FOR BAYVIEW LOAN SERVICING LLC LOCATION OF XXXX FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX   2 ) XXXX 3 ) XXXX XXXX. LOAN # XXXX PROPERTY ADDRESS : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Social Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed a mortgage with SoFi, which closed inXX/XX/XXXX.

SoFi sold my mortgage to a different mortgage debt collector, XXXX, on XX/XX/XXXX. The quality of service of XXXX did not meet my expectations, specifically, XXXX   does not have electronic statements.

Other issues include : the online banking system is terrible, it took multiple days to enable autopay, none of my insurance information was transferred to the new mortgage provider, it does not have phone service on the weekend, and more.

I am incredibly dissatisfied, in particular the lack of electronic statements. I have complained to both SoFi and XXXX on MonXX/XX/XXXX, and received replies XX/XX/XXXX, and neither is willing to resolve the issue. This is a security risk ( my personal information is in the mail ), a service quality and convenience issue, an environmental concern, and an accessibility issue ( suppose I had low vision issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Leopold & Associates, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I write my complaint through the Consumer Financial Protection Bureau as a last step to see if the insanity can cease the insanity pertaining to my home foreclosure. The documents attached show that I have been active in both federal and state courts trying to justify why XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX can not agree to a loan modification with principal reduction. The original foreclosure dating back to XXXX was eventually set aside, but XXXX XXXX XXXX XXXX refiled a new XXXX XXXX XX/XX/XXXX to start an unnecessary foreclosure action all over again. I am still capable of filing a bankruptcy petition to save my home. However, XXXX XXXX XXXX XXXX has refused to respond to the modification package I submitted XX/XX/XXXX. I believe that I am being highly discriminated against as a member of the XXXX Community, and I desire to have the Federal Deposit Insurance Corporation take a look at my file completely. The fact that I had a full modification package submitted before the new XXXX XXXX was filed is a violation of my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. XXXX prepared a BOP in XXXX of XXXX in preparation of a principal reduction. So why all of a sudden must I be placed in a foreclosure defense again. A copy of this complaint will be submitted to the attorney on record XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Cordoza & Wexler Recovery Services
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with Cordoza & Wexler Recovery Services. He said he represents XXXX. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented XXXX and that I had a credit card with XXXX and was trying to collect a balance due. I told him that I did not recall having a credit card with XXXX and would like to have a number or address with XXXX so I could get something in writing from XXXX. He said XXXX no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to XXXX that stated I had 2 accounts with XXXX and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX knew XXXX. 
I received a letter from Cordoza & Wexler Dated XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with XXXX. But as stated above XXXX told me there was no longer any paper work since XXXX has closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian Credit Bureau incorrectly list the wrong last 4 digits of my Social Security Number on my Experian credit 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 non-monetary relief
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: TX
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 had a forfeited air Flight with XXXX due to problems with their website. I attempted to contact them from XXXX XXXX. until XXXX XXXX. I tried another number listed for XXXX on XXXX. It was a scammer unbeknownst to me at the time.They promised to get me this special deal to help me get on this flight if I paid for it with XXXX XXXX cards. The guy told me the numbers were not coming through and do it again. {$4500.00} later I finally figured out this was a scam. I notified my bank Wells Fargo and my credit card through Wells Fargo. My check account at this point has restored {$2500.00} to my check account.Wells Fargo Credit card only restored {$500.00}. I still have an outstanding balance of {$1000.00} from this scam and I am of the understanding it is within their power to use insurance to cover this scam. I am retiring the end of this week and am in no position to take on {$1000.00} bill. Can you help please? 
Do not have ability to scan and attach but police file number is XXXX Last four numbers of my account number with Wells Fargo claim is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: WELLS FARGO & COMPANY
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:
Contacted Wells Fargo via email, regular mail, and telephonically. Have failed to protect my personal information and have subject me to identity theft and preemptively filed a lawsuit seeking to declare the amount charged owed.

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