BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from Wells Fargo. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/2017 ), which is an error. It was pulled Twice from my XXXX   credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/2018, my credit report was also pulled as well. Please have the Wells Fargo ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX -XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2021-05-03
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern - I am writing to ask for help with my primary mortgage company, Nationstar Mortgage LLC, dba Mr Cooper. I have one major issue with this organization that I have been trying to get cleared up for over a year now, with no success. In addition I also have concerns regarding how this mortgage was re-financed back in XXXX. 

With regard to the current issue, this organization has been incorrectly claiming that I am behind with my mortgage payments and that has been applied to my credit report, with a result of my credit rating going down significantly. In XXXX, XXXX, I contacted my credit union XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) when I realized that my account did not have enough funds to cover the check I had sent to cover my XX/XX/XXXX mortgage payment to Mr Cooper. I asked the XXXX XXXX to cover the check while I moved money into the account, and they verbally agreed to cover the check. They did not cover the check however and it was returned to Mr Cooper. Mr Cooper did not send the check back to me but presented it again to my XXXX XXXX despite telling me that they would not re-present the check. The check was cashed but Mr. Cooper did not apply the funds to my account but instead put the funds into a holding account. These funds are still in this account and have not been applied to my account. Ever since they have been reporting my account as in arrears and have been applying late charges every month. I have tried talking with them but they refuse to credit my account or to remove the false late charges. I contacted the MN Atty General 's office to help but all they were able to get from Mr Cooper was that they would remove the charges and fees if I could provide written proof that I had talked with my XXXX XXXX, which of course I can't. Can you please help me get these false charges removed from my credit report and from my account? I do not see how they can hold my money without crediting it to my account. This has kept me from re-financing this awful mortgage with another more reputable company. 

With regards to the XXXX re-financing issue, in XXXX I was trying to modify my SECOND mortgage as it was due to mature. I was told by my then FIRST mortgage lender that I HAD to modify my first mortgage at the same time I was not given a choice in the matter, despite not wanting modify the first mortgage. When the papers were presented I found that my payment terms had gone from a 30 year product to a 40 year product, and that the monthly payments were hardly different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: National Credit Adjusters, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had this loan from a over a year or two ago and I have paid accordingly to the terms with the exception of the last {$100.00} and some change. I have not heard anything thing fro this company since late XXXX regarding this and I had assumed that this was a current loan that was paid off and I said that to the caller ( its recorded ). This call and the other hundreds of call to my EMPLOYER has got to stop. I can not even answer the phone without them calling from multiple numbers asking for me as if we are friends then tell me they are calling to collect a debt. I have to ignore calls to my job because of them constantly calling me. 

I was told that they have mailed thing to me and I have not received anything in writing from them. 

The called on XX/XX/XXXX was the last time before writing this complaint. A fellow coworker asked me was I ok since she could tell it was a bill collector calling my WORK place. This company has continued to call me at my job since XX/XX/XXXX./XX/XX/XXXX over and over again. I can not have them calling where I work like they have chosen to do so. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On approximately XX/XX/XXXX, I noticed a garnishment on my paycheck. 
I received a copy of the judgement from my Human Resources Director. 
I was not served at anytime, or afforded the opportunity to dispute this debt in court, and this company was given a default judgement. 
The last known address that they indicate was from more than 4-years ago, l. I legally changed my address with both the US Postal Service and NYS Department of Motor Vehicles on or about XX/XX/2014 ; which if this company had researched, they could have located my current address, rather than using " Sewer Service '', which is illegal in NYS  Additionally ; This Jusgement was filed in a county that I do not live in and is in no way associated with me. 
THIS COMPANY HAS NEVER ATTEMPTED TO SERVE ME OR CONTACT ME IN ANY WAY PRIOR TO FILING FOR THIS JUDGEMENT. 
I plan on pursuing an order to vacate this judgement as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We changed phone companies, XXXX XXXX XXXX sent a bill saying we still owed them {$25.00}. 
I emailed them for an explanation, they said it was a mistake dont worry about it. 
I kept checking my account there & they continued to show a {$25.00} balance. 
I contacted them several times & each time they said not to worry about it because we did not owe any amount. 
Now we received a letter fro XXXX XXXX  demanding the money., I have all the correspondence saying we owed nothing. 
Its only {$25.00} but come on how many people are they doing this too?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: Holloway Credit Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have 2 negative accounts from XXXX XXXX that have been sold or given to a collection agency. Holloway XXXX XXXX. One of the 2 is where we broke our lease when my husband was relocated to XXXX from XXXX. This one I knew I would owe but the other one is a the home we lived in prior to that one and we did not break the lease or damage anything. They stated they are charging us for clean up but they also kept our deposit and it should not take {$800.00} for clean up. We also upgraded light fixtures and put in ceiling fans and did not request payment for those. The lease we broke, I was charged for marks on the walls even though I did repair them. I repainted in the paint left by them but they still said it was not clean enough even though I had a professional cleaner come in. I was never notified of these bills or allowed to dispute the amounts. They suddenly appeared on my credit when I went to apply for a mortgage. I did call and ask for a settlement amount to just take care of it but they will not return my call. The collection agency said that XXXX has to approve it. XXXX XXXX knows nothing when I call them. They are not giving me any means to get this corrected or working with me on this. I called them on XXXX the XXXX and they said that XXXX had 15 days to get back to them. The 15 days would have been XX/XX/XXXX. I ask if it was just business days and they said no, just calendar days. My husband started calling back in XXXX and they gave him an amount to pay that was 50 % of the bill but when I called they said it wasn't approved and no one would have told him that. I just need a means to correct this since no one seems to be responsible for it but yet they were quick to put it on my credit negatively!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX   XXXX XXXX XXXX XXXX, 01 XXXX, 09 XXXX XXXX, 10 XXXX XXXX, 10 XXXX XXXX XXXX XXXX, 11 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2020 I charged several food items bought at Walmart on my Capital One credit card. The total was {$24.00}. Two packages of beef liver at {$2.00} each subtotaled {$4.00}. Unfortunately, the meat was rancid. The merchant ; s refund policy was, because of the XXXX Virus, not to return items to the store but to file a claim with the credit card company. I have tried to do so repeatedly without being able to do so. First, Capital One does not allow disputes to be made at one 's account online. Instructions are to call customer service refunds at XXXX. For several weeks I have attempted to do so, but each time a recording at Capital One says that the wait will be more than an hour. It makes no provision for it to call me back, as most companies do when there are long wait-times. Obviously, Capital One is intentionally preventing the public from disputing purchases in any way whatsoever..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: WI
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:
The information reported was not authorized by me to be added to the account. I have sent letters requesting the deletion of unverified accounts multiple times. The first letter was denied with no problem with verifying my identity. However, the company is now refusing to delete said information based on identity confirmation.

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 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I filed a fraud/merchant dispute with Bank of America. The claim number is XXXX. On XX/XX/XXXX, I got a letter/alert from them advising that the transaction activity in question was authorized and posted correctly to my account. I called Bank of America and was told it denied because some of the charges were from XXXX and it looked like I participated with the merchant. I advised the agent that I had explained I noticed recent unauthorized charges and when I searched the merchant on the online banking page I saw other charges further back that I did not notice before. The agent advised they would not my claim and have it resent. I have heard nothing further from Bank of America. 

There are 72 charges from merchants I never participated or authorized payments for. The total amount is {$4300.00}. 

The response from Bank of America on XX/XX/XXXX, did not include any charge information or details about what their investigation included. 

I think this needs to be reviewed for possible Reg Z Violations. 

I want the fraud protection I am promised on this account. 

I DID NOT PARTICIPATE WITH THE MERCHANTS ON ANY OF THE 72 CHARGES. WHY WERE VISA LAWS INITIATED AND THE MERCHANTS CHARGED BACK AND FORCED TO PROVE I PARTICIPATED WITH THEM? I can assure you that I have not!

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 2020-05-27
Company: Experian Information Solutions Inc.
State: MS
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 reached out to XXXX, experian and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.

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 2020-11-24
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm continuing to receive bills for services from XXXX and the XXXX XXXX of XX/XX/XXXX which I have already paid. I have talked to their Customer Service Dept. numerous times and have gone to their office to rectify the situation. I'm told the matters will be taken care of, but the next month I've receive the same bills. 

Now they have turned the following over to Americollect, Inc., XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX. The charges are : Acct. # XXXX for {$27.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$14.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX ; Acct. # XXXX for {$40.00} which was paid XX/XX/XXXX via Master Card and cleared XX/XX/XXXX. When I furnished proof of payment, Americollect told me XXXX said the payments were used for " something else '' and that I still owed these amounts. They can't seem to tell me what this " something else '' is. When I sent the payments, I followed their instructions by indicating on the payment slip which account numbers each was for. 

Now in the last two days I have received two phone messages and a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX, indicating that I owe XXXX another {$300.00} on Acct. # XXXX going back to XX/XX/XXXX. The charge for this service was really {$410.00}, which I paid on XX/XX/XXXX via Master Card and cleared on XX/XX/XXXX. Again, I had clearly shown on the payment slip the account number to which this was to be applied. 

I have never dealt with a company that could simply say that payments clearly earmarked for specific billing could be used elsewhere and now you still owed these charges. I have complete records of all my dealings with XXXX. I have paid every bill I owe, and I have proof of these payments. I have no idea what other bills they may try to collect which I have already paid. 

Looking at theirXX/XX/XXXXrating, I was not surprised to see it as " F ''. Reading through the complaints, there seems to be a pattern here of lying to the consumer and creating a smoke screen in an effort to confuse people into simply paying the bills they receive whether they really owe them or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is what I put on the XXXX  complaint I do not have a signed contract nor any contract with National Credit Adjusters LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX and XXXX. I am not responsible for this debt with National Credit Adjusters. Accounts have been re-aged illegally. 


Additionally, XXXX  has removed their collection on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agency mentioned herein has listed an unknown account on my credit report with the Credit Reporting Agencies ( CRAs ). It is to be noted that I have no knowledge of this debt whatsoever. It is totally and utterly unverified, not validated and is being reported fraudulently. In light of the foregoing, I hereby engage the CFPB and request that it used its administrative powers to force this seemingly unscrupulous company to comply with applicable provisions of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had received my normal month-end statement that said our new balance to pay on XX/XX/2020. No where in the statement did it mention a specific process for paying off our balance or that our funds wouldn't be applied like normal during our automatic payment on XX/XX/2020. On Saturday, XX/XX/2020, I received an automated message saying that I needed to call PennyMac during regular office hours regarding my account. I called on Tuesday, XX/XX/XXXX because of the holiday on XXXX XXXX. When I called, I told the lady on the phone that I had received a phone call on Saturday that I needed to call them for some unknown reason and explained that my bank account had never showed that my payment was made. When the lady looked into it further, apparently the balance due was less than the amount owed and that I couldn't pay off my loan using the same method as the previous 3 years worth of payments. I needed to request a payoff demand statement for {$25.00} and pay using a wire check, or certified cashiers check within a week of requesting the payoff demand statement. Had I known this prior to my payment due date, I would have gladly done this, but there was no communication whatsoever throughout the life of our loan that shared this information. I checked on PennyMac 's website that I log into and it didn't say anything. So not only did I have to pay extra fees to pay off my loan, but I was charged interest on top of it because my payment was late. There's no way that a normal person would know this and they made it way more complicated than it needed to be. I was surprised that I never received a letter saying something to the effect of it looks like your close to paying off your loan, here 's your next steps. They chose to not disclose that information to make more money and for that I am really upset. If my previous month 's statement had said anything like that or to call them to ask for payoff next steps, I would have gladly done so, but that was not done and I assumed that everything was good to go because all of my previous payments had gone through.

Company response to consumer: Closed with explanation