BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: First Federal Credit Control, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX II I and I do not have a contract with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : 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 2020-02-21
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017 my reverse mortgage with XXXX XXXX was sold to Champion Mortgage. In the 6 + years with XXXX XXXX, I had no problems with XXXX XXXX processing any documents submitted to them. Since Champion Mortgage took over, I get 2nd and 3rd notices, annually, about submitting Annual Occupancy Certifications, property tax payments and home insurance even though they were faxed or sent within days of the initial notice. These notices become harassment, threatening mortgage default and or inspection cost for having someone come to verify my residency. I call them after each notification and they say the certification has been received and not to be concerned but then send out another notice. They have no email address and there is no way to prove communication with them. Phone conversations are never with the same person identifiable by 1st name only which is surely fake. They claim they can not email acknowledgements. They have only a PO Box address so there can be no registered mail to prove they receive anything. A fax receipt only shows that I sent the fax but not necessarily that they received it. I believe they are purposely not acknowledging receipt of, or processing the documents so they can find ways to add to my mortgage debit or ultimately foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I submitted a application with XXXX XXXX XXXX XXXX. Application was running smoothly and on track for me to get assistance thru them to pay my default loan balance. On XX/XX/2022 I was informed by the program that my loan servicer from Wells Fargo gave them false information, causing my application to be cancelled. WELLS FARGO told the XXXX XXXX XXXX that my loan # : XXXX had been modified and that its no longer delinquent, there for I no longer qualified for the relief program. Ive contacted wells fargo directly multiple time since then to find a resolution in correcting this false information, they have refused to provide any letter stating that our loan is not modified and that it is infact still delinquent. There is a incentive for Wells Fargo sabotage any offer from any other program. The offer that wells fargo has given me, is to modify my loan to 30 year modification that would not only have me repaying them directly but also any other interest that such loan would provide to them. The application # from XXXX XXXX XXXX XXXX that was cancelled is : XXXX Thank 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 2020-02-21
Company: General Motors Financial Company, 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: Their investigation did not fix an error on your report

Complaint:
Here is the contents of my earlier complaint so you can make the connection : " GMs claim was for {$620.00}. I paid them directly {$570.00} and XXXX paid them {$230.00} for my XXXX, thus they received {$800.00} which means {$180.00} of over-payment. 
Due to your intervention, I received last week a check for {$160.00} with NO EXPLANATION WHATSOEVER as to HOW it's calculated. 
" -- -- -- -- -- -- -- -- -- -- -- -- -- Alongside that complaint, GM Financial is still reporting that I owe them {$69.00} where, in fact, they owe me at least {$17.00}. 

Please correct this wrong information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My husband and I both got a payday loan from Check n go. They are taking $ XXXX from me every month and $ XXXX from my husband every 2 weeks for 18 months each. We were told the interest is only 200 % and not a penny more. Yet only {$5.00} goes to principal and the rest interest. When I do the math on both loans it comes to more like 300 % +. They refuse to work with us. I am tired of their so called lying legal department telling me they guarantee the interest is only 200 %. I borrowed {$1300.00} and my husband {$5000.00} by the ladies being so deceiving and calm explaining everything false to both of us. They refused to let us read the papers we were to sign yet tell us let us explain to you what this paperwork says. The ladies falsified the information and left so much information out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX  XXXX {$1300.00} XXXX   XXXX {$4400.00} DEPTEDXXXX XXXX {$1400.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX/XXXX XXXX {$960.00} XXXX/XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX   XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$2200.00} XXXX   XXXX {$740.00} XXXX/XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: FL
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:
I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
America First Credit Union notifies consumers to resolve checking accounts that have been overdrawn for an extensive period of time. This timeframe consists of 5 days. The financial institution 's communications continuously arrives in the complainant 's spam folder. The consumer requested that this be fixed for their provided timeframe to not be affected. This was not fixed upon lack of response. Also, the financial institutions requests payment arrangements to prevent account closures. The consumer had provided a payment arrangement to the financial institution. Regardless, the account was still closed. The consumer/complainant is filing a respectful complaint against America First Credit Union because the consumer communicated per request alongside provided a first payment arrangement. This account closure makes it appear as the financial institution does not stick to its word when attempting to negotiate matters with consumers. Also, the financial institution currently has a money order to be deposited into the account, [ re payment arrangement ]. However, this is affected because the account was closed. The consumer had voluntarily dropped its first complaint out of kindness. 

Initial Complaint : The financial institution 's ATM would wrongly display a balance that exceeds the actual balance on the account. This would be checking the balance when logging in the ATM. Upon withdrawal, this would result to a negative balance. The provided receipt would still present a positive balance after the withdrawal. The consumer would not be aware for an estimated month. Eventually, it was refilled after complaining to the XXXX XXXX XXXX then graciously working with the financial institution. 

A second complaint is being filed because the consumer was performing his part after the financial institution 's most recent communication concerning the negative balance. Also, the consumer feels that money was wasted if the financial institution would receive a deposit, [ re first payment arrangement ] to find that the account was closed. Additional concerns include the financial institution 's access card not working when initially attempting to make a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 I called the company to make a payment ... in efforts to avoid repossession of car. 
But they want to charge me a fee to process over the phone. 
I cant afford a regular bank account with a routing number, and they dont give me the option to pay with debit card online unless its over the phone but the obligate me to pay {$6.00} fee I cant afford due to financial crisis and loss of job, due to my XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I been receiving my Dr 'S. bill and been mailing {$50.00} a month as of today I have a balance of {$150.00}. Without notice they send me to collections!!!. I contact them and they said its because i have a balance. In the old days as long as you making a payment in good faith that was enough ... .WHAT HAPPEN, DRS OFFICE ARE GETTING.GREEDY! THEY ARE ALSO SENDING THIS TO RUIN MY CREDIT SCORE! 
thank you XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: VA
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:
On XX/XX/XXXX, I received an email from Wells Fargo ( XXXX ) that contained an access code to view my application for new credit. While I do currently have a Wells Fargo credit card, I have not applied for any new credit. At first, I thought the email might be a scam, but upon closer inspection, it appears to be a legitimate email from Wells Fargo. I tried contacting them by phone on XX/XX/XXXX but got bounced around to different people, because no one could tell me what the access code was for. I also forwarded the email to an email address on the Wells Fargo site for reporting suspicious communication and received an automated response but have heard nothing since. I'm concerned that someone may be applying for credit using my identity or that Wells Fargo is fraudulently opening new accounts in my name, as I'm aware they've done to their customers in the past. I need to know what new credit applications are in process at Wells Fargo under my name and halt the processing, but I'm unable to reach anyone at Wells Fargo who can figure out what this is 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 2022-04-27
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX at approximately XXXX an agent from Cascade Receivables contacted me by telephone, verified my name, told me I owed money to XXXX XXXX for approximately {$300.00} from XXXX. I proceeded to explain to her that I have two insurances and should owe nothing. I informed her that I could provide her with the insurance information and she declined stating the bill was from 4 years ago and they would not rebill. I also advised her that another debt collection agency contacted me about the same debt and I dont understand how two collection agencies can bill for the same thing. The agent then proceeds to tell me because thats the way things work and that it can bounce around. She also then states that the debt is only X amount and she has seen bills way higher and I need to just pay my debt. I told her I didnt care how much it was that I am not paying something I do not owe. The agent then tells me, I can tell you dont care because you dont pay your bills. Your son was in the hospital and you owe the bill. The call was then disconnected. 

I called back to their office to complain and the agent that answered this time, after letting him know that I planned on filing a complaint, said, good and hung up. 

I called back to their office again and advised this agent to mark my account as a do not call or I will file legal suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: NAVY FEDERAL CREDIT UNION
State: TN
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:
My Navy Federal Credit Union account was hacked in XX/XX/XXXX. A {$4900.00} cash advance was taken via my Visa, and that a d other monies were taken from my checking and savings accounts. Some of the stolen money was moved to an account someone opened in my name in another bank. NFCU caught the charges and called me at home to see if I had authorized the transaction. I had not. They said it was done on a XXXX XXXX Tab from Virginia. I have never been in Virginia, have never used a mobile device for banking, and have never taken a cash advance, nor have I borrowed any money since XXXX. I told them so, and we spent two hours resetting all my accounts with them.

NFCU later told me they were holding me liable for the original cash advance, as the money was sent to me, and that I had somehow profited from the theft. I appealed, but nothing was changed. I appealed again, and still no change. They started charging me interest, then took money from my checking account without my knowledge. I have always paid my account in full each month, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it.

The {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, savings, credit, and investment accounts were all completely gone!

Then NFCU started calling me harassing me about paying this overdue account. Every time they called, at least weekly, I told them this is not my bill and I have no intention of ever paying it. I took all the money from my checking and savings accounts so they wouldn't steal any more from me.

There is an account linked to mine for someone I don't know.

Money went through a clearinghouse in South Dakota, but I don't have the numbers to trace it further.

If NFCU had done any sort of investigation they would have discovered all this and more ; I could not have done any of the transactions. I was at home with no internet access or cell phone service when it happened! 
I need my credit report information restored, the fraudulent activity purged from my accounts, and the money returned that they took. I have had no income since XXXX, and can not afford to lose what little I have. That was also my only credit card account, which I can no longer use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: AL
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 are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX - That is reporting incorrectly. I have contacted XXXX XXXX   because XXXX  is reporting inaccurate XXXX XXXX Information. There was an overpayment where XXXX XXXX had to reimburse the money sent. Equifax is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. XXXX  is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So XXXX   and Equifax is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In my XXXX. 2017 credit card statement, I noticed in the " 2017 totals year-to-date '' box that I had been charged {$20.00} in interest. I pay all my bills in full and on time so this did n't make sense. I called VISA and they checked my payment record and agreed to credit me back the amount. 

My concern is for other customers who pay as I do and do n't notice this charge. There could easily be thousands of us who have been overcharged possibly totaling hundred of thousands or millions of dollars. 

So I 'm bringing this to your attention.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX/ {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: FL
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:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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:
These accounts and inquires listed below were not done by myself. Attached are my Driver 's license and Identity Theft report. 
Please delete immediately. 
Thank 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