BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr XXXX called me today from the phone number +XXXX ( XXXX ) XXXX, every time he calls he makes me Upset. He initially said I approved for an amended forbearance payment and my interest rate was reduced to 3.25 % but I never received the letter stating that. I asked him to send me that letter to which he said that it is already closed out because I opted for forbearance extension and I told him I did not ask for that, I only asked him to send me that letter which was approved, I have no proof that I was approved for the pandemic amended mortgage payment. He repeats himself million times and makes the customer frustrated. For a small sentence he takes a long time to complete wasting customers time. 

I also asked him to send me a letter with synopsis of our conversation what we had today, to which he said that the pandemic forbearance amended payment has already been closed out. 

That XXXX me off. 

Secondly I asked him if he can send me the XX/XX/2020 amended monthly payment statement as I already made the {$180.00} payment on Friday to which he said that it will take another 3-4 business days for me to receive it. Now I dont see any reason that why it takes so long for mr Cooper to send an amended payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX spoke with them several time explained situation and told them my next pay day left a message on my phone with them calling me a XXXX tried to speak with a manager he hung up on me trying to handle situation my bank account had fraud over the weekend told him when I could handle this matter would like to handle matter but insultins will not be acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX received a letter stating my application was submitted for a credit card I then called the bank Comenity and spoke to the fraud division who said my Social Security number was used to open an account.They told me the would take care of the problem. I then called back on XXXX and asked if I could get a copy of the online application which was filled out and was told I would have to request it from the Clerk of Records. 
XXXX I sent a letter to the Clerk of Records explaining I would like to see the application since this is considered internet fraud. 
I did not get any response to this request so I called XXXX and was told they could not accommodate the request that I had to get a subpoena. 
I feel if my rights were infringed upon and according to a F.B.I. law XXXX covering identity theft I feel I have the right to see where that application came from. I told the bank this was the second time in five years their bank was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Southern Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around the end of XX/XX/2018 I received a letter in the mail stating that I had an bill in collections with Southern Financial for a old utility bill. I immediately sent an money order and paid the debt. A few days later I called Southern Financial to make sure they received my money order. They ask for my personal info to verify the debt. They stated they received my money order & that it would be removed off my credit. Then I was told I had an old hospital bill in there system. I wasn't aware of nor informed previously about any old medical bill debts. I have health insurance. When I do go to see my doctor, I always pay my copay & whatever balance is due is sent straight to me from the orginator. The lady over the phone asked me was my birthday in XX/XX/XXXX & I replied no. So she was asking me for more personal info that I didn't feel comfortable giving over the phone. So I asked could she send something in the mail so I can verify these supposedly debts. About 2 weeks later I received a letter in the mail that didn't have the company Southern Financial listed on the evelope & the information was uninformative. Last night on XX/XX/2018 I received a notification from XX/XX/XXXX stating that my credit score dropped 23 points because a new collection was added to my report. I called Southern Financial the next day and asked to speak to the supervisor. The first supervisor XXXX hung up in my face because I didn't want to give any personal info. The second supervisor XXXX, who I talked to after I called back told me I need to pay my bills then I wouldn't have this problem and he also hung up on me. The third supervisor XXXX stated that he couldn't talk to me with getting my personal info & was also very cruel. I stated to XXXX I had a non personal question so you didn't need my personal info. After explaining what was going on & telling him regardless of someone's supposedly debt you can't treat people rude like that. Matters can be resolve with respect and communication but no one in that office holds a professional torch. They are so mean & hateful hearted. I had know issue paying my debt if it was validated. I wasnt given that option, I wasn't notified, they just slapped it on my credit report after knowing I was in a process of buying a house. They did this to be malicious because I was chose to be cautious about giving my personal information out over the phone.

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 2018-08-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo account has been compromised several different times over the course of these past 2 years and the loan officer at the bank is saying they can not go back past a year and figure out what happened to over {$55000.00} from my accounts. I know for a fact that this is not true, but I do not understand how she can boldly lie to me about my own accounts and treat me as if this was my fault. I have filed a police report in XXXX county and plan to fight these fraudulent withdrawals to the fullest extent of the 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 2020-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Pentagon Federal credit Union has placed several accounts on my credit bureau that I never applied for. I am a victim of identity theft, These accounts are not mine. A hacker used the personal information he obtained on the XXXX XXXX because of the XXXX  Data Breach.

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 2018-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOV ASSOC is attempting to collect and is reporting to XXXX, XXXX and XXXX an unverifiable debt that i do not owe in the amount of approximately {$1800.00}, I never signed any contract, agreement or Document with PORTFOLIO RECOV ASSOC saying i owe this debt or agree to pay this unverified debt, i never gave authorization for PORTFOLIO RECOV ASSOC to obtain or use my personal social security number, Photo ID, address or phone number, i did not provide this company with this private and personal information therefor the debt does not belong to me and i believe PORTFOLIO RECOV ASSOC it attempting to collect on a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I submitted a domestic wire transfer for {$20000.00} from my account at Ally Bank to a XXXX XXXX bank account in XXXX XXXX for the benefit of XXXX XXXX. 

On XX/XX/XXXX Ally Bank emailed me with instructions to phone them. I did, and was told that the wire transfer had been cancelled because it was considered international rather than domestic and Ally does not do international wire transfers. 

It seems clear to me that wiring money to XXXX XXXX isn't international, but 75 minutes on the phone refused to convince Ally. For 60 minutes XXXX told me that it was considered international because I submitted it from a computer in XXXX, and then supervisor XXXX insisted that it was international because the company XXXX was initially founded in XXXX. 

This is clearly nonsense and I hope you can get an honest explanation.

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 2018-08-15
Company: EQUIFAX, INC.
State: NJ
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:
Equifax Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion on there response number # XXXX response of to many inquiries is none but 1 in XXXX. transunion also say inquiries as when I had opt out in XXXX & XXXX had to file complaints several times to why I had inquiries as well as wrong information on my credit file that was place on my credit file but not justified by transunion as they was deleted. Also my score went down 42 points after 4 creditors requested that the tray line be removed due to court order and errors in which Transunion took my credit score down with no justification with ETC is no answer on transunion part due to there is no reason for my score going down after the removals. also Transunion did not check the accurate of the creditors after I file disputes on the creditors and even with Documents uploaded to Transunion they did not reply or accept court papers that they did not apply in a timey manner. Also Transunion has issues on a timey matter back from creditors that are or should not be on my credit on opt out in which for months that went on by Transunion.

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 2018-06-19
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been trying since XXXX to get an amortization schedule from Bridgecrest for my auto loan showing how my payments are allocated on my loan. I kept seeing a very high payoff quote online for my loan, near what I paid for the original loan. I keep getting conflicting information. Today I recieved a transaction history of my payments on my loan which clearly shows that they are not applying my payments correctly to my loan, including 3 payments towards nothing but interest on the loan. I have spoken to them several times about this and the foreign customer service is not understanding my complaint or requests for the payment schedule. I have made several payments well before the due dates to help keep the interest charged to me lower on a daily basis. Roughly around $ 10/day in interest. Please help me with what I believe is illegal practices on part of Bridgecrest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX should be off of my account as paid off.

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 2019-06-11
Company: Self Lender Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XX/XX/XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: MO
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:
In reference to complaint # XXXX Chase credit card that was stolen on XX/XX/XXXX - used at XXXX not by me on XXXX XXXX in XXXX MO by to 2 young males that police have on a video - I have a police report. 

Chase Credit Card XXXX XXXX XXXX XXXX For amount of {$500.00} Received letter from Credit Card company stating I had the card in my possession and would not reverse credit card purchase. They are stealing my money the clerk at the store should have asked for ID - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My Credit report with transunion shows enquiries that i did not authorize & must be deleted as these enquiries were not authorized by me. 

1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MD XXXX ON XX/XX/2018 2. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NJ XXXX ON XX/XX/2018 3. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ON XX/XX/2018

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 2020-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ALL 3 CREDIT AGENCIES VIOLATED " FCRA '' CONTINUE REPORTING INCORRECT " PACER '' DATA OF PUBLIC RECORDS ACCOUNTS NOT MINES, OUTDATED AND 41 / ACCOUNTS REPORTED 2X

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi. It looks like in XX/XX/2018, 2 accounts were open NCC BUSINESS SERVICES. 1 is for {$1000.00} and the other is for {$3000.00}. I have disputed with each Bureau multiple times and it hasnt been deleted from all. I have never received any sort of notification from this company about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: SYNCHRONY FINANCIAL
State: MA
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:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from SYNCB/AMAZON. I disputed this inquiry with the credit bureau XX/XX/XXXXXXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 my account was locked because of my XXXX deposit and has been locked ever since. I sent in documents XX/XX/XXXX and then was told my bank account was closed because of it and they were sending the money back to the SBA which is impossible because the money is still locked in the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My Name is XXXX XXXX, I receive my child support put on a " XXXX '' WELLS FARGO XXXX. The Bank charges inquiries on the balance of the child support card of {$1.00} by ATM, so I stopped requesting atm balance inquiry several years ago. I know that WELLS FARGO Customer service charges XXXX per phone call to customer service. They offer 3 customer service calls per month free of charge. So, I very rarely, call customer service - except for lost card circumstances. Which has happened twice in the past 7 years, I lost my card. and they replaced it. Wells Fargo would have charged fees on those accounts as well. 

I have been receiving child support for 15 years, as I have XXXX children. I have been using the automated system for my balance inquiry as I have {$170000.00} in child support arrears and I rely on the child support agency to collect the funds by bank and or wage garnishment. and sometimes my balance fluctuates. I use the automated inquiry system to make sure what I am purchasing does not get overdrawn. 

Wells Fargo never mails out any debit card statements by mail. I rarely, go one line to check the activity. Recently, I had reason to check my balances and history, as I had XXXX request evidence of the child support deposits into my account which I cashed through the ATM machine. To my surprise, I have been charged numerous times for balance inquiry XXXX per transaction for over 10+ years. I read the disclosures, no where does it state that when a child support recipient calls through the automated system to check balance inquiry they will be charged XXXX as if they are speaking to and calling customer service agent. 

This is very sad, and unreal. There are so many single parents who are struggling. and Wells Fargo as big as they are, charging for a automated balance inquiries under phone number XXXX. I've been a Wells Fargo customer for over 15 years at the XXXXXXXX XXXX XXXX location, there is no reason for excessive fees nor automated inquiry fees. 

The statement online customer service number for inquiry charges is XXXX always states your call can not go through, please try again or hangs up on you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Navient Solutions, LLC.
State: AZ
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:
Per 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. 

I have not given any written instructions to XXXX, XXXX  or XXXX to furnish a consumer report with the Department of Education/ Navient . This is a violation of my consumer right to privacy. 

I am requesting this be deleted from my consumer report immediately. 

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for Navient to be deleted from all 3 agencys, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation