BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: Continental Finance Company, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I defaulted with a credit card, XXXX  which is owed by XXXX XXXX. To pay off bad debt their collection agency XXXX XXXX contacted me. XXXX XXXX set up a payment arrangement for XXXX biweekly payments. 
In XX/XX/2020 my remaining balance was XXXX which I paid in full. 
XXXX XXXX sent me a confirmation of the payment and stated on-the receipt paid in full. 
XXXX XXXX stated the would contact XXXX XXXX  of the account. being paid in full. 
XXXX XXXX  states to date they never received payment from the collection agency XXXX XXXX. XXXX XXXX the collection agency state they notified XXXX XXXX  of payment. 
XXXX XXXX sent me a fax number to fax all documents to them but the fax does not work. I mailed information to them. 
I filed a dispute with XXXX  but their result stated the XXXX XXXX  reporting wad correct. Please help me get this paid account updated. 
The account shows on my credit bureaus account derogatory, charge off XXXX which has been paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX we took out a Home Equity Line of Credit ( HELOC ) with Wells Fargo Mortgage ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) which was recorded with the state of Alaska on XX/XX/XXXX. This HELOC ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) was paid in full on XX/XX/XXXX but the Deed of Reconveyance was not recorded with the State of Alaska until XX/XX/XXXX by Wells Fargo Mortgage. On XX/XX/XXXX we had applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. From XX/XX/XXXX until XX/XX/XXXX XXXX XXXX attempted to obtain a copy of the Deed of Reconveyance from Wells Fargo Mortgage to no avail. On XX/XX/XXXX XXXX XXXX notified us that we were no longer eligible to refinance due to the apparent lien still on our property. Due to Wells Fargo Mortgage 's negligence in recording this Deed of Reconveyance we were unable to refinance our home with 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 2020-08-31
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TIDEWATER FINANCE COMPANY, 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: Account information incorrect

Complaint:
On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, Tidewater Finance is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a Tidewater Insurance representative XX/XX/XXXX in which she confirmed on a recorded phone call Tidewater Finance received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( Tidewater representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with Bank of America. The last couple of months I have been receiving the monthly statement AFTER THE DUE DATE. I have contacted them several times ( spent hours on hold ) .. They told me they generate my statement on the XXXX of the month, even though it is DUE the XXXX of the next month. In other words, my XXXX statement, due on XX/XX/XXXX, won't even be sent out until XX/XX/XXXX. My statement won't arrive by the DUE DATE. 

I feel like this is totally unethical. I don't want my credit score screwed up because my mortgage company sends me the statement AFTER THE DUE DATE. I think they want people to default on their loans! 

How am I supposed to pay on time if I don't receive my statement until well after the due date, then I have to send it back, making my payment late every month! Just doesn't seem right and Bank of America needs to explain 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 2019-07-16
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XX/XX/XXXX they are sending me letters that I owe them a money that was paid by the hospital. I sent them letters requesting that they give me proofs and nobody sent me proofs only a receipt that seems manipulated. 

I applied for financial assistance from the hospital and they covered the expenses, then these people began to charge me the amount of {$2600.00} and without giving me evidence where I said I should pay that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Cash App, which is a product of the company Square , Inc., based out of XXXX XXXX, California.

As of right now, Cash App does not actually offer customer service via the telephone, only via email or through the app. Customer help phone number is impossible locate for this company. If you check within their App Number is not listed.

This opens a window for scam customer numbers listed online. Many Cash App customers are being mislead because they refuse to offer or list appropriate customer support. Scammers continue to appear as Cash App online and are stealing our money. We need Cash App to Step UP and do something about this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently ordered my credit report from TransUnion and notice that there were a few inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXXTransUnion XXXX XXXX XXXX XXXX XXXX via TransUnion XXXX TransUnion XXXX XXXX XXXX XXXX   TransUnion XXXX XXXX XXXX via XXXX XXXX TransUnion 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 these listed above are the inquires that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put a fraud alert on my credit report for XXXX, XXXX, XXXX for reasons such as this. I would like to have these inquiries removed 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 2019-02-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on the Hurricane Harvey Relief program thru Chase bank for roughly 9 months but when i came off of the program they are trying to double charge me for the month of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For the second time in less than six months, my two credit cards ( Platinum Mastercard and Quicksilver ) with Capital One have been suddenly restricted without notification or explanation from the company, even after written requests.I have not missed a payment on either card, do not typically carry a balance from month to month, and have never approached the credit line limit on either card. 
When I do call to resolve the issue, I am asked to verify my identify by sending in personal documents for each account separately, which leads me to believe there is a fraud issue. However, Capital One does not give details for the account restriction nor do they send correspondence or call like other companies when fraud is expected or to warn of an account being closed/restricted -- because of this, any bills set up for Autopay are declined, leading to late fees, which is very concerning and unnerving during these times. 
Most recently, my accounts were restricted before XX/XX/XXXX and, while being told that they could tell me why the account was restricted, I was asked to send in copies of my driver license, which I did while on the call. As of XX/XX/XXXX, I've not received any updates and the accounts are still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX,, Contiued Issues,, Never Got Solved,, Never Received Settlement Payment That Was Issued XXXX Thru XXXX ( XXXX ) Based Upon New Information That I Received Thru,, The Wells Settlement Website,, My Claim Form Was Lost Or Misplaced From Their Data Processing System, So I Never Received Any Payments At All,, When Checked The Website,, It Stated That Is Was Already Included?? So What Happened??,, This So Unacceptable And Very Messy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: I.C. System, Inc.
State: MI
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:
IC SYSTEM is FRAUDULENTLY and ILLIGALLY attempting to collect monies for which there IS NO SIGNED CONTRACT nor ANY EVIDENCE that they're entitled to. 
IC SYSTEM has DAMAGED my credit report with their BOGUS and FRAUDULENT COLLECTION. 
I want this IC SYSTEM fraudulent collection REMOVED from my account immediately and NEVER re-appear again. 
Should IC SYSTEM fail to remove their FRAUDULENT collection off my credit report, I will have no choice but to file a lawsuit against IC SYSTEM in the State of Michigan. 


Sincerely, 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 2020-10-24
Company: EQUIFAX, INC.
State: MO
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/2020, and XX/XX/2020, I wrote to XXXX, XXXX  and Equifax requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter rom this company on XX/XX/2021. It is dated XX/XX/2021 regarding an alleged obligation. I responded the same day via certified mail, fax, and regular mail to the XXXX XXXX XXXX on the deceptive form I am the consumer pursuant to 15 U.S.C. 1692a ( 3 ) and the creditor pursuant to 15 U.S.C. 1692a ( 4 ) because I extended my credit to create the debt Credit Collection Services is attempting to collect. The debt is already paid. I am aware that both Credit Collection Services and XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors pursuant to 15 U.S.C. 1692a ( 6 ). Although XXXX has refused to acknowledge this fact numerous times. XXXX is NOT the creditor pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.. The claim is disputed. I had to take precious time out of my day that I can not get back to address this frivolous attempt to defraud me. It is abusive and constitutes harassment. I never gave this company my direct consent to even communicate with me. Nor did I provide my private location information to my place of abode. Mail fraud has occurred. Pursuant to 18 U.S. Code 1341 and 18 U.S. Code 1342. I am a natural person and my consumer rights have been violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint to cfpb ( Complaint Number XXXX ) a couple months ago. It concerned Mr. Cooper increasing my mortgage payment from $ XXXX/month to $ XXXX/month. cfpb was able to correct this matter BUT Mr. Cooper only complied for the year ending XX/XX/XXXX. Mr. Cooper did not refund the excess escrow amount on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I sent Mr. Cooper ( AKA Nationstar ) a letter by certified mail # XXXX XXXX XXXX XXXX XXXX requesting that they re-evaluate my mortgage. They did not respond. 

A again I seek your help in having Mr. Cooper refund the excess escrow for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX allowed a 3rd party to add fees to my acc. The co said it was added when I took out my card. I tried to resolve it w a supervisor with XXXX XXXX and even though its mailed out on XXXX statement he claims they have No control over this. I was irate when he said not their problem. I feel this Bank has to be responsible for Account Assure charges and I should not have had to deal with resolving this. I feel many elder individuals are also being charged and over looking this fee. I am disappointed that any third party can just start adding a fee without my approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if Fifth Third and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to  receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points. Fifth Third reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA )  which states that if an institution reports a status that that status must be accurate. I called Fifth Third to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to Fifth Third and in all respects was trying to do the right thing to pay off the loan early. The fact that Fifth Third never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that Fifth Third doesn't treat any other customer in this same type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed 2 student loan account with XXXX XXXX  about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile onXX/XX/XXXX. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my XXXX has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both Transunion and XXXX   ONLY. The account numbers are loan # 1 XXXX Account # 2 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 2021-06-21
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last XX/XX/XXXX when the Covid Virus hit, we learned that we could contact our servicer and ask to have our payments deferred if we were impacted by the virus. I called to asked to have our payments deferred because my husband was barely making 30 hours a week, we have 6 people in our house. We were making half of what we normally make. I was told I would have to prove we were having issues in making our payments. Sorry, I do not know how to do that, and they did not give me advise on how to prove it. So, we had to start making our house payments late. Finally in XXXX of XXXX I made my last late payment and have been caught up ever since. If they had deferred our payments like the President said we could, I could have refinanced late last year and had a good interest rate. 
In XXXX of XXXX I started looking into refinancing our home. Only to find out that Mr. Cooper did not report our payments correctly in XXXX. They reported it as a 60 day late instead of a 30 day late. I have been calling and calling to have them fix the issue. I finally got a hold of a manager and they put in an order to have it fixed. The kicker is it takes 30 days to get it taken care of. I also found out that they do not report our monthly payments till a MONTH later of being paid. So, if you make a XXXX payment it does not show up till XXXX. 
I feel my refinance is being held XXXX because NO one wants to do their job correctly.

Company response to consumer: Closed with explanation