BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. XXXX XXXX says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.

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 2018-09-18
Company: Professional Debt Mediation, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX Professional Debt Mediation Account : XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX To whom it may concern, I am writing in response to your letter dated XX/XX/2018, copy enclosed. 
On XX/XX/2018 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Kentucky. 
I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond fully to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/XXXX. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Phoenix Financial Services LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt collector continues to harass me and my family about a medical debt that is unverifiable and they have no proof of a signed contract from me. I have sent 2 letters requesting validation and they only respond with an itemized bill with no signature or proof the debt indeed belongs to me. Under the Fair Credit Reporting Act all information reported to the Credit agencies must be accurate and verifiable. I have NEVER had a contract with this company or done any business dealings with them. They have nothing to prove I owe them and they have damaged my credit without merit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent several notices to this company regarding the inaccuracy of this account. I do not owe this debt and Ive disputed it with the credit bureaus as well as this company. They sent a statement with a different balance than what is reporting on my credit report which confuses me even more. Ive also noticed that on my report it showed a payment made way after the account was placed on my report, that is false! I do not owe this company this debt and would like to stop being contacted regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in Florida. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint Equifax responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from XXXX  dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to Equifax, XXXX and, XXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been with Lakeview Loan Servicing/XXXX XXXX XXXX XXXX ( hereafter referred to as " XXXX '' ). Mortgage for three years. I recently made the decision to refinance and thus change mortgage companies and homeowner 's insurance companies. XXXX is responsible for paying my homeowner 's insurance from my escrow account and has done so without issue in the past. Recently, they allowed my insurance policy to lapse for non-payment. The company was notified of the pending cancellation via letter from XXXX XXXX. Prior to this happening, I had called to notify them of the change of insurance companies and provided them with the necessary information to continue making payments. It was only once I received notification from the new insurance company ( XXXX XXXX ) and the refinance company ( XXXX XXXX ) that I was made aware that the policy had not been paid. Not only was this holding up my refinance but the policy was due for cancellation. I immediately contacted the insurance company and was told that the payment needed to be sent overnight. I contacted XXXX and was assured that the payment would be sent via overnight. Days later, I was notified by XXXX XXXX that the policy had still not been paid. I called XXXX again and was told that the payment had in fact not been sent because the representative I had spoken to did not provide " adequate documentation '' when making the requests for payment. Instead of XXXX notifying me that they payment was not paid, they simply ignored it and allowed my policy to lapse ( unbeknownst to me ). 
While this may appear to be simply a careless mistake, I am convinced that since I had made a decision to go with a different mortgage company, XXXX maliciously and intentionally neglected to pay my homeowner 's insurance. I am requesting that this incident be investigated.

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 2017-09-14
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I want Full Validation on my student loans. I want to know how much is owed, where was the money applied to and why are there extra charges added.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
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:
On or before XX/XX/2017 I called FCO to settle a debt in the amount of {$2500.00} in exchange for them to delete this collection account from my credit file. The agency agreed to a pay for deletion. I paid a settlement amount of {$1200.00} but the creditor has never removed this collection from my file like promised. I was not aware that if they agreed to delete for payment that they have to uphold this agreement until now. This creditor breached the verbal agreement and they need to make good on their part of the agreement.

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 2018-09-18
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During the week of XX/XX/XXXX, I made a purchase on XXXX mistakenly using the wrong card ( debit card ). This was for ~ {$1400.00}. I immediately cancelled the transaction, received notice that a refund was processed, and called the bank to avoid an overdraft scenario. US Bank informed me that it would be no problem whatsoever. I was relieved. By that Friday XX/XX/2018, my bank account had adjusted, the charge was removed, and relevant OD charge was also removed. Great, I have a positive balance in my account, and it reflects this online on Friday, and over the weekend. However, on Monday, XX/XX/XXXX, the charge has re-emerged, and is charged first before several bills that are set to be removed from my account. The first thing I did was transfer money to compensate for the bills. On Tuesday, when everything adjusts again. I am left with 3x {$36.00} OD fees, and a reversed {$1400.00} transaction, leaving me overdrawn by {$80.00}. They purposely manipulated my transaction history, re-applying an already reversed charge in order to justify charging my erroneous OD fees. The only reason Im at a negative {$80.00} balance is from {$100.00} in OD fees. This is deceptive and cruel.

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 monetary relief
Consumer complaint received 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: EQUIFAX, INC.
State: MS
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:
My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: RFNA, LP
State: MS
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:
My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified consultants keep on calling saying it is urgent I call them back to settle debts. 
They never say what the dept is or give a name. I said multiple times to stop calling and pressed # 2 on my phone to indicate for them not to call back, but nothing works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: CCS Financial Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
A credit colllection company has been reporting to the credit bureau every 3 days about a derogatory account. This is illegal. They said their policy is to report every 7 days. I want to know how many times legally can a collection company report to the credit bureau? Seems a little excessive. So basically instead of charging daily interest they report to the credit bureau every 3 days killing your XXXX score?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up a bill pay process with my bank, XXXX, XXXX, DE, in early XXXX to pay a mortgage payment on XX/XX/XXXX as the payment was due on XX/XX/XXXX. 
I monitored the transactions on both online accounts, Rushmore Loan Management and XXXX. The withdrawal from the XXXX account appeared as expected. The payment to Rushmore did not appear on the XXXX nor has it appeared in my account to date XX/XX/2018. 
As the bank payment didn't appear I decided to make an online payment on XX/XX/XXXX to avoid late fees and an impact on my credit score. 
I called Rushmore customer service on the XXXX to ask how long it took for transactions to be posted and was told 3 to 4 business days. I also explained that I made an online payment in addition to the bank payment. The representative offered to cancel my online payment as the bank payment was expected. I accepted her offer and she was to cancel the online payment. 
As of the XXXX the bank transaction has not been posted and the cancelation transaction has not been posted. 
I no longer have confidence that Rushmore is servicing my loan appropriately. Is it acceptable for a banking institution to wait so long to post transaction or are the transaction not occurring?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Contemporary Information Corp
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company reports that I was evicted, but I have never been evicted nor had an eviction process initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received the XXXX XXXX XXXX  to avoid having troubles with the passcode sent to my phone that for the bank is " not elegible '' to send this. 

Since I opened this account I never received the debit card to enroll in the online banking, and now I called and spoke with the supervisor because again are requesting to send the passcode and are not acepting the XXXX XXXX XXXX that the bank sent to me to avoid this trouble. 

I need a debit card to the same address ( mailing address ) where the XXXX was sent, and also a pin reminder.

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 2019-09-27
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was paying a fellow gamer to assist in a game on XXXX  XXXX. I was promised assistance but when I forwarded the money he immediately booted me from the game and ignored all messages. Person will also not acknowledge emails. 

I initially paid {$25.00} which he returned and stated he needed it to be 25GBP. 

I resent and was then booted, soon to realize I had been scammed. 

PayPal states that since it was a friends and family transaction that it doesn't matter if I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Northland Group Inc
State: DC
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:
On or before XX/XX/2017 I called Northland Group to pay off a debt in the amount of {$560.00} in exchange for them to delete this collection account from my credit file. The agency agreed to a pay for deletion. I paid the total amount of {$560.00} but the creditor has never removed this collection from my file like promised. I was not aware that if they agreed to delete for payment that they have to uphold this agreement until now. This creditor breached the verbal agreement and they need to make good on their part of the agreement.

Company response to consumer: Closed with explanation