BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IN XXXX I CONTACTED XXXX TO ADVISE THEM I WAS SWITCHING COVERAGE TO ANOTHER INSURANCE COMPANY-XXXX XXXX EFFECTIVE XX/XX/XXXX. THEY DID NOT CANCEL MY COVERAGE UNTIL XX/XX/XXXX AND BILLED ME ALMOST {$400.00}. I RECEIVED NO BILLS FOR THE COVERAGE. IN XXXX I WAS NOTIFIED THEY REPORTED THE BALANCE TO COLLECTIONS. I IMMEDIATELY CONTACTED XXXX DIRECTLY TO ADVISE THEM THEY INCORRECTLY BILLED ME AND SENT PROOF OF COVERAGE. IT TOOK THEM 2 WEEKS TO CORRECT THE BILL. I REQUESTED SEVERAL TIMES FOR A REVISED STATEMENT, WHICH I STILL HAVE NOT RECEIVED. I WAS TOLD THE BALANCE WAS {$170.00} WHICH I IMMEDIATELY PAID. I STILL NEVER RECEIVED A BILL AND I WAS ASSURED ON SEVERAL OCCASIONS THAT THE ACCOUNT WOULD BE RETRACTED FROM THE INSURANCE COMPANY. THE COLLECTION AGENCY REPORTED THE ACCOUNT AS SETTLED WHICH IS INCORRECT AS IT WAS TO BE REMOVED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017 XXXX  suffered a security breach that leaked the data of XXXX XXXX Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: U.S. BANCORP
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We had a Mortgage starting in XXXX with US Bank Home Mortgage. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that US Bank had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a 3-way call with a XXXX  Agent and a agent with US Bank named XXXX in XX/XX/XXXX. During that call US Bank told XXXX   that we had payed every payment on time every month for the last 10 yrs and there we no late payments during that time. US Bank said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at US Bank and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. XXXX  said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with US Bank. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from XXXX  saying they confirmed with USBank that we paid our mortgage on time for the last 99 months with no late payments. Also attaching the dispute outcome from XXXX, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called XXXX  and that is when they told me I can NOT dispute something ( the mortgage ) that is not on my 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 explanation
Consumer complaint received 2020-06-30
Company: Media Collections, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Joseph, Mann , & Creed Collection Agency claims that I owe {$390.00} to XXXX XXXX XXXX. I don't owe this company ANYTHING! This debt is erroneous and all collection efforts should cease IMMEDIATELY. I paid my account in full before I switched to another company. I've attached my last payment.

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 2018-02-22
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: Information belongs to someone else

Complaint:
This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove 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 2020-10-13
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I disputed an alleged account from XXXX for {$710.00}. This account wasn't mine and after debt validation and countless disputes, it was proven the account was not mine. Company didn't have proper documentation to tie me to the debt. As a result, the account was deleted from my credit report and I have the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was paid off XX/XX/2020. I have been in contact with the lender several times since trying to get money owed to me from escrow overage. They owe me a total of {$2600.00}. They have stated on several ocasions that they would be sending me the check. I have not recieved anything from them yet. I am just looking for help. 

company name : AmeriHome Mortgage, NMLSID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased auto gap insurance when I purchased my vehicle. In XX/XX/2019 I was in a car accident and my vehicle was total loss. My auto loan servicer, Capital One Auto Finance filed an auto gap insurance claim but the claim was denied because the dealership never paid the gap premium. But the dealership financed the gap premium in my auto loan when I purchased the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc 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 2018-11-23
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
1.- On XX/XX/2018 received at my address letters from Pressler, Felt & Warshow L.L.P . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of XXXX XXXX : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX   3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/2003. They represent XXXX XXXX purchaser of these debts from XXXX and XXXX ( XXXX XXXX ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/2003 ) I was not resident of the state of XXXX XXXX .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that PRESSLER, FELT and WARSHOW are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: ID Analytics, 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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EOS Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
My information isnt correct. Someone is using my social opening accounts or attempting

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 2021-07-12
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: Information belongs to someone else

Complaint:
I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-07-06
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In the past, I have used XXXX to send and receive money from my PNC Virtual Wallet checking account.XXXX now says that PNC has made internal changes that do not allow for the account to be linked with XXXX, and suggested I contact CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CENTERSTATE BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of buying a home last year XX/XX/2018. I was required to take a Home buying class to get a certificate. I attended this class and one of the bankers there her name is XXXX from XXXX XXXX stated there was a program for a grant for XXXX available for the closing cost of purchasing a home. I tried to contact XXXX for 2 weeks, I even called from other peoples phone numbers. She never once returned my calls. I called her supervisor she said XXXX is the one I would have to talk to about this program. The program for down payment money. She stated in the class florida residents 1st time home buyers would be able to use this. XXXX finally reached out to me and said we would not be able to use this program because my father still owed taxes on another mortgage this was not true because at this point I was dealing with another lender.Which was able to get my father a VA loan. He had to borrow money from friends and family for the down money. My fathers first home was purchase by his father and handed over to my father. My father needed to purchase another home because his home he was living in was effected by hurricane Irma and needed to purchase another home. I tried finding out about all the programs that could help him. He is a XXXX veteran and on a fixed income. I was told that there was no funding available. I also had to talk to a HUD approved credit counselor to help advise me on what steps to take. The only thing he did was ask me if I was single and seemed more interested in my dating status then helping me purchase a home. I really felt alone in this whole process. I was able to help my father purchase a home in XX/XX/2018 with another lender. At this point I am very discouraged I do not have faith in any of our programs able to assist low income/veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: WELLS FARGO & COMPANY
State: PA
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:
I contacted you about Wells Fargo repossing my vehicle illegally after refusing my payment. Your Bureau did absolutely nothing to help me. I read you helped Military members that were scammed. Regular citizens that were scammed you don't seem to care about after receiving the billion dollar fine. I gave you my complaint & your office did nothing to research my specific complaint. Wells Fargo actually refused my payment. Eventually excepting a phone payment they never submitted the payment to XXXX for payment. Then said the payment wasn't authorized. I contacted XXXX who stated the payment was never submitted by Wells Fargo for payment. Had you investigated you would have found that out. They then added a repo fees after basically stealing my vehicle. I refused to pay the extra fees. They then sold my vehicle for a third of it's actual value. I was actually sent a letter thanking me for the payment. I also have a letter stating they didn't allow ample time before selling my vehicle. My name is XXXX XXXX I'm sure you have my original complaint. I find it difficult to believe you investigated my complaint & found Wells Fargo to be in the right on this specific case

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I mailed certified copies of my FTC report identifying theft that this account was included on This Report! To both The Original creditor XXXX XXXX XXXX Who Has Now SOLD THIS ACCOUNT TO A DEBT Collector Midland Credit Management who has done nothing but harass me and call at insane times of day/night and sends threatening letters to Sue Me over this Account that is ( Not Mine )!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America allowed a XXXX yr old minor cash roughly {$4000.00} worth of savings bonds without parental permission or presence. When I went to the bank I was told this should not have happened and a manager, who was n vacation, would contact me the following week. They didn't contact me so I went back to the bank. The manager would not come out of the office. She sent a message back saying that would only apply if the child wasn't old enough to sign their name. She further stated that since my son had an account and an ID they were allowed to cash the bonds without a parent. I've visited other banks and financial institutions who state they should not have cashed these bonds.

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