BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I got my state income tax return for OK state tax year XXXX. I had an issue with my mailing address and never received a card with my return on it. I contacted the stated and they said its out of their hands once they forward it to the card company. I got the number for Way2go. I called and its an automated loop with no way to talk to a representative. I tried multiple numbers but they all require a PIN, which is generated after you receive a card. There is no way to contact them if you never get a card in the first place. I would like for a Way2go Associate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have been trying since XXXX to get a pay off statement. After not receiving in XXXX we called again. We simply want to pay off loan. Last request was XX/XX/XXXX. They said we would have pay off quote in 7 to 10 days. Its now been 15 days.

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 2018-06-13
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I currently bank with Citibank and have a secured card with them. I always had automatic billing set up to prevent any missed or late payments. However once applying for a mortgage loan the Citibank secured credit card account reflected 4 late payments which is inaccurate. The representative I spoke advised me to pay the account in full and they would remove the late payments showing on my credit report. The representative took payment from me and then said he was transferring me to a supervisor so they could remove the late charges from my account. I was continuously hung up on for 3.5 hours never the getting the issue resolved. These late payments reflected are completely inaccurate and need to be removed from my account and updated with the credit bureau immediately.

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 2018-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We moved into this area in XX/XX/XXXX. XXXX issued anew phone number, XXXX. During the first six months we received calls from various debt collectors attempting to contact the phone numbers previous owner. After numerous explanations the calls stopped. The callers were apologetic stating that the only contact number they had for the woman, ( i can not even attempt to spell her name ), In the summer of XX/XX/XXXX we started receiving calls from Portfolio Recovery Associates, located at XXXX XXXX XXXX. XXXX XXXX XXXX. Their contact number is XXXX. After calls from several different area codes and numbers, I contacted their corporate office and the calls topped. They stated they would remove our phone number from their list. On XX/XX/XXXXXX/XX/XXXX, we again stared receiving calls from this company. They ask for the same name. I contacted their corporate offices again on that date and the woman stated our number would be removed. On XX/XX/XXXX we received a call from XXXX, one of their offices. This is a company that buys expired debt which has been written off the books of companies. My research indicates that they purchase this debt for pennies on the dollar, and attempt to make a recovery. I am retired from Federal Service and neither my wife or myself have a any debts. I do not understand while they continue to annoy people. Any help you provide is appreciated. Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have Mr. Cooper as my mortgage banker. I had no choice in picking them due to home mortgages being resold multiple times. 
I have been making payments on time through ACH and have never been late or missed a payment. 

On XX/XX/2019 there was *THEFT* of {$590.00} by Mr. Cooper by way of unauthorized direct debit to my account sending my account balance into below minimum levels. 
When I followed up I was told by my bank that it came in with wrong account number but all other details matched hence it was applied to my account. 

Called Mr. Cooper and was told that it was a mistake on their part without any explanation! Then after a long frustrating wait I was told that the transaction would be reversed in 24/48 hours. On XX/XX/XXXX when I logged into my account it showed as " Unapplied Funds ''!! Called Mr. Cooper again and I was told after a long wait that they have just sent it by wire! 

I am suspecting Mr. Cooper to be indulging in organized crime by STEALING random amounts from their customers and then refunding to those who catch them. WHAT ABOUT THOSE WHO DO NOT CATCH IT? 

**THIS COULD BE AND ORGANIZED CRIMINAL ACTIVITY BY MR. COOPER WHERE THEY ARE STEALING MONIES FROM THEIR CUSTOMERS AND INTEREST FROM CUSTOMERS WHO CATCH THEM** I would like FBI investigation into Mr. Cooper 's operations to ensure that this illegal criminal activity is stopped with appropriate punishment and penalties. 

When a consumer makes a mistake these mortgage bankers pile on predatory fines and interests to push them into default and feed on them like vultures. In all fairness Mr. Cooper should be penalized proportionate to their income! 

All customers of Mr. Cooper need to be notified of this and asked to check their accounts too,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After being aware of being scammed use of XXXX as a money transfer service through my bank USAA I filled a dispute. I thought by using XXXX as the USAA app has it on their service that I was offered protections. Apparently I am not and USAA will do nothing at all even after being a member for over 10 years with multiple services from them. All they can say is Im sorry. They never kept in up to date with the dispute I had to contact them every time. And even after they denied my claim they still did not inform me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as Experian and XXXX  on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.

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 2020-08-21
Company: FREEDOM FINANCIAL NETWORK
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Initial complaint filed against Freedom Debt Relief on XX/XX/XXXX case # XXXX regarding an incident from XXXX to XXXX where they collected over {$34000.00} from my husband and I, but failed to pay any of our debts. It is all spelled out in the attached documents. I am submitting a second complaint as they failed to respond to the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
trying to apply for a mortgage XXXX XXXX and XXXX came back equifax didn't come up. Called equifax they said I didn't exist and that I had no history with them. Called them talked to a supervisor and told me to send a copy of my drivers license and social security card did as told still no answer did this twice already and they weren't able to help me. Called multiple times. Need this fixed since I am trying to apply for home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: The CMI Group, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I closed an account with XXXX/XXXX  XXXX. At the time, I paid off all money owed on the account and it showed a {$0.00} balance. The account was closed. I later confirmed through my online portal that the account was closed and had a {$0.00} balance. 

After being contacted by the agency, I confirmed with XXXX/XXXX  XXXX through their support department that I had properly closed the account, had owed no balance, and still owed no balance. I also confirmed that they had not attempted to contact me about any past-due balance. 

The Company says they verified the debt with XXXX XXXX, but provided no documentation of such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have received a call about this account since XXXX. The account was closed for nonpayment after one missed payment. I stopped paying since the account had been closed. I was called in XXXX by the company and I explained that I did not like how I was treated and how the account was closed. I spoke to someone about a different account owned by the same company on XX/XX/2020. I set up payments for this account to pay the account down so that my credit would not be impacted. I believe this verbal agreement was used for both accounts. 


I had been paying {$56.00} since XX/XX/XXXX on an account that I owed only {$430.00} on after speaking with a representative today I have only paid {$20.00} down on the account bring the balance to {$13.00}. The account manager said that I was still being charged a {$39.00} late fee as well as services fee which kept hitting my credit as late and missed payments even though I was set up for automatic payments. 

I was mislead by the representative back in XXXX and have been making consistent payments on an account that is not being counted toward anything but late fees and service charges. Even though the account has been closed since XXXX they still are reporting to the credit bureau that I have missed payments, this is after being set up on automatic payments. This in turn has dramatically effected my credit  score and has led to credit limits from other cards being lowered or even  closed because of this.

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 2020-10-12
Company: Nelnet, Inc.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a number of extra payments to pay off one of my loans in full inXX/XX/2020. These payments were supposed to be allocated specifically to my loan with the smallest balance. Nelnet told me that they were being allocated to the loan that I wanted to pay off. On XX/XX/XXXX, my account showed a XXXX  balance for principle, accrued interest, and capitalized interest as well as showing " Paid in Full by Borrower ''. In XXXX, I noticed that the loan had come back and had a balance showing on the principal. I called back and they said that the payments just needed to be reallocated and it would be taken care of. They sent me a letter showing that the loan was paid in full. I assumed this meant that I didn't need to continue monitoring for that loan. Around XX/XX/XXXX, I noticed that there was a {$42.00} balance showing for the loan that I had already essential closed out twice. I called Nelnet and they said that I owed the {$42.00} and that the letters had been sent in error. I called back twice more and was told that I needed to call back on XX/XX/XXXX and speak to the Account Solutions Team because they were the only department that could really close out the loan that I have paid in full. I called back and requested to speak with the account solutions team. I was instead transferred to a general studentaid.gov phone number and couldn't actually speak to a person. I called back and spoke with a representative who told me I couldn't speak with the Account Solutions Team because they really only deal with refunds. She told me that she would have to file a payment reallocation form and that it would actually work this time. I told her that I had already done this twice and it hasn't worked yet. I just want the loan that I paid off to actually indicate that I have paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Abrahamsen Ratchford, P.C
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am trying clean up my credit history. In XXXX, I called XXXX XXXX to enter into a payment plan to resume payments on a {$14000.00} debt. XXXX XXXX said they wrote the account off in XXXX or XXXX. I can no longer access my XXXX account online or by their automated phone system. In am no longer able to pay {$500.00} per month since I have been unemployed since XX/XX/XXXX. My financial situation is further complicated by the coronavirus outbreak. I had attempted to make payments from my unemployment benefits. XXXX XXXX XXXX, XXXX is attempting to attach my bank account. 
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a civil complaint against me for judgment in XXXX XXXX favor for {$8700.00}. XXXX XXXX XXXX, XXXX states that they are attorneys for XXXX XXXX. Correspondence from XXXX XXXX XXXX, XXXX discloses that they are debt XXXX. XXXX XXXX will neither confirm nor deny XXXX XXXX XXXX, XXXX claims. XXXX XXXX, XXXX has entered a Praecipe for Substitution of Counsel on XX/XX/XXXX. 
On XX/XX/XXXX, I wrote a letter to XXXX XXXX requesting confirmation the XXXX XXXX XXXX is representing them in this suit. I have paid to date {$2300.00} on a settlement amount of {$6000.00} to XXXX XXXX XXXX. Although requested, XXXX XXXX XXXX, XXXX never validated the debt. I have not received a statement of account. I have not received a payment history from XXXX XXXX XXXX, XXXX. The documentation submitted with the complaint contains incomplete and misleading documents. 
In this day of debt collection scams and in the abundance of caution, I am trying to determine who I should pay to resolve this debt. I have been contacted by numerous debt collectors and an attorney, who claim they are collecting the outstanding balance in XXXX XXXX named.

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 2020-06-29
Company: Experian Information Solutions Inc.
State: MD
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:
I checked my Experian credit score and it dropped 13 points for no reason. All my accounts are paid on time, I monitor my score monthly, and Im paying off items. My score should be increasing but instead it went down 13 points with no explanation or notification. Im currently in a class action suit against Dept. of ED and my accounts should be in forbearance but thats not reflected on Experians report. They are destroying my credibility Ive sent them numerous of notices requesting the information be updated. Same thing happened with my XXXX  credit score, instead they dropped me 70 points.

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 2020-06-29
Company: DISCOVER BANK
State: PA
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:
Disputed a cellular company charge to my Discover card. I do not have cellular service now despite being paid through XX/XX/XXXX ( today is XX/XX/XXXX ). Cellular Company was contacted by myself 3 days ago regarding my issue. All communication done via chat on their web site. Nothing has been done to resolve my issue by cellular company. Was a {$40.00} charge. Have not been contacted by cellular company. figuring is not worth it doing business with a company like that. Initiated a chat session with discover to dispute this card. Kept getting logged out of their chat room due to issues on their end. After about an hour. I was told to contact XXXX by the discover chat CSR. My discover card is set as a payment methomd in XXXX. The cellular provider directed me to the XXXX web site to use one of my credit cards set up there as payment. XXXX happens to be one of my payment preference methods. I again used my discover csrd to pay for this cellular service. Had nothing to do with a service I did sold by XXXX  or another authorized XXXX company. Was a cellular service through a company that only utilized the XXXX site for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: RI
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:
XXXX  reported Wells Fargo /XXXX XXXXXXXX XXXX XXXX account fraud account XXXX my right dont agree remover only say account has verify why is Verifycation use this account is no mine and danger my score and need remover immediately

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 2020-09-23
Company: ACIMA CREDIT, LLC
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: Information belongs to someone else

Complaint:
So I have been getting phone calls and emails from this agency called acima credit. I apparently owe them {$10000.00}. They have reported it to my credit. Ive talked to them on the phone and told them that I do not owe them anything because I was never aware of how or even why I owe them that amount of money. I have no idea To this day why I owe them that amount, where it came from or who had my information to authorize it. they then said to report it as fraud and send them the report ... I really need this off my credit. As Im sure you understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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:
these Accounts are All due to fraud

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 2020-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, XXXX, equifax, XXXX XXXX, XXXX XXXX  is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.

Company response to consumer: Closed with explanation