BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: Fay Servicing, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had gotten behind on my payments & on the 4th month had to make a large payment or was threatened with foreclosure. I made the minimum payment and subsequently have been making an effort to catch up. On XX/XX/19 I called the online payment center & made 2 payments - my jobs do direct deposit to 2 different banks - so I made a {$120.00} payment from one & a {$1500.00} payment from the other. Each was received the same as usual & I was given confirmation # 's for each. A week into XX/XX/XXXX I received FOUR correspondence letters from Fay Servicing stating my mortgage was in default. Upon calling I was told I could not make 2 payments in one day and the larger payment was not accepted. Not only was I not notified upon submitted the payments but Fay accepted the very small payment over the large one that would have kept my account in good standing. The rep refused to reverse any late payments though she knew I actually made the payment before the end of the month. I was also notified that I had been reported to credit agencies for nonpayment. Fay has also raised my payment as much as {$100.00} a month over the original loan amount & I'm suspecting hidden fees. As a struggling consumer I feel I'm harassed as though Fay wants me to relinquish my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: N.A.R., Inc.
State: UT
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:
North American Recovery XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, I got a phone call from a Santander representative notifying me that my overdraft account ending in XXXX is 60 days overdue. I was in complete shock since I knew that I have never used my overdraft account. After further research, I found out that the balance from this overdraft was due to a check from the account ending in XXXX, of which I share with a co-applicant. It was the co-applicants check that was overdrawn. I have never given Santander the right to pull money for checking account XXXX, from my overdraft account which is only under my name ( the two accounts were not even opened at the same time ). I did not receive any statements in the mail notifying me that my overdraft account was used. 

On XX/XX/XXXX I reached to Santander and was in touch with a Business relationship manager with the name XXXX XXXX. She very clearly advised me of the following ( in an email - see attached ). 

" I was advised that the delinquencies will be removed if the customer brings the account current, and a new Service Request is submitted requesting to remove the negative reporting. '' I followed through and made the payments the next day as a courtesy even though I still felt that I don't owe Sandander anything. 

But when I followed up with the representative and gave her my payment confirmation, she backed tracked her words and told me she could not remove the delinquencies. 

Santander had no right to use my account for an overdraft from a different account that is not linked in any way. That check that was overdrawn was not mine ; it was from the joint holder from the account ending in XXXX. 

But now Santander leid to me ( very clearly in an email ) when they said that if I do go ahead and make a payment then they will remove the delinquencies, but they just fooled me because after I made the payment, they backtracked their words. 

It is not fair for a bank to promise something and then not do what promised.

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 2019-09-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have opened my Wells Fargo Cash Wise VISA credit card approximately 2.5 years ago after receiving a promotional solicitation offer. As part of that offer, the foreign transaction fees would be waived. I haven't had a chance to use this particular credit card overseas until recently, during my trip abroad ( mid-XX/XX/2019 ). Upon my return and double checking my charges, I noticed that Wells Fargo applied 3 % foreign transaction fees to every purchase i made during my XX/XX/2019 trip abroad. Again, I am very adamant that the promotional offer materials under which i opened this credit card clearly specified no foreign transaction fees.

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 2019-09-13
Company: EQUIFAX, INC.
State: PA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Errors on Credit report being reported by XXXX Hello, Below is Equifaxs description of a charge-off. 
Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency. 
On my credit report the following accounts are listed as charge off but are paid in full according to an agreement with each of them from credit counseling. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent Equifax proof of the agreement and the payments for each from the dedicated payment account. Even with proof all of the above accounts are still listed as charge offs. By the definition of charge off the account is not a loss and can not be sold to a collection agency as it is paid in full by agreement thru credit counseling ( before it got to this point ). This has caused me to be denied a business loan and a home equity loan as they think that I still owe money to each creditor. 

Please update the status of each to paid and closed and the balance to XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: PA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-06-29
Company: ID Analytics, Inc.
State: NY
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:
there are 4 account on my credit report that are not mine and should not be there, I believe I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My XXXX son was robbed on mid XXXX therefore his cell phone was stolen. The same evening my XXXX son Cashapped my XXXX son {$400.00}. My XXXX son contacted cash app to let them know via email and was told once he get a new cell phone he would be able to retrieve the cash. Upon receiving his new phone he attempted to get the cash the account was closed. We contacted cash app via email sent them all informations that was request numerous times. The last email stated the only resolution was to refund the {$400.00} to my XXXX son, which we stayed please do so. As of this date XX/XX/2019 my son has not received his {$400.00}. We were actually contacted again today XX/XX/2019 asking for the same information that was given on five different times. A copy of the emails will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
there are 4 account on my credit report that are not mine and should not be there, I believe I am a victim of identity theft

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 2021-05-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We filed a complaint with the Consumer Financial Protection Bureau, case # XXXX. Fifth Third Bank ( 5/3 ) has not addressed all of my issues with the case. Fifth Third has completely ignored my request for backing data as to how they have concluded the amount of PMI overpayment. 

While Fifth Third forwarded us a check for fraudulently collecting PMI insurance from us. We have not received the justification for the amount that they have refunded us. 

We believe this is only a partial refund of the amount due to us. Fifth Third stated that they have " provided a refund of all PMI payments made since XX/XX/XXXX ''. We have asked for backing documentation to justify the date which Fifth Third determined our PMI overpayment, and by extension the justification of the refund amount. We have not received this information. 

It is highly irregular that while 5/3 Bank gave us the run around and ignored or outright lied to us about the process to drop PMI on our mortgage for 6 years, when we filed a case with the Consumer Finance Protection Bureau, magically, they concluded that our PMI should have been dropped. 

Our original loan 's PMI insurance was due to be automatically dropped by XX/XX/XXXX with 5/3 bank. 5/3 bank seems to have a scheme to overmarket and push pre-approved refinancing offers as a means to extend their profits, all in the guise of saving their customers money. With this refinancing scheme, and XXXX ignoring our continued requests to drop PMI ( violating HPAs disclosure and notification requirements ), the refinancing of our loan would have had us paying PMI on our loan until XXXX of XXXX on a loan that was originated by the lender on XX/XX/XXXX. That would be 20 years of PMI payments on a 30 years loan. 

Fifth Bank and by extension CFPB has closed our case, as Fifth XXXX determined our case " closed with explanation ''. They never gave us the documentation we requested as to how they arrived at the refund amount or date in which they determined our PMI should have concluded. 

Yet again, when asked for transparency and information, 5/3 is ignoring our request for the data for the amount of our PMI overpayment. We believe Fifth third has only issued us a partial refund for PMI overpayment. Fifth Third stated that " After an additional review of your account, we provided a refund of all PMI payments made since XX/XX/XXXX '' We believe there is a discrepancy of approximately two years of PMI overpayment or about {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to LexisNexis and I have asked LexisNexis to freeze my all information regarding my name and personal information. XXXX, XXXX  and XXXX  can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
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:
I paid my Citi Bank Credit card in FULL. Citi has reported me owing {$750.00}, but the account is paid in full. Attachments are proof of that

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Transunion did not correct error with reporting from XXXX. XXXX will not correcet incorrect billing.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 I go to XXXX to get a free credit report for TransUnion. I get the report.

I then want to see the score. I get a page that prompts for credit card info, I see NO indication that I'm paying {$19.00} and that I'm signing up for a SUBSCRIPTION.

I then try to cancel my order / subscription at TransUnion website. It is not possible.

TransUnion requires people to call a toll free number, which requires a very long wait.

1 ) It is VERY MISLEADING to not say that seeing your credit score requires signing up for subscription service.

2 ) The page did NOT show how much the cost is.

3 ) It is TOO HARD to cancel the subscription or order.

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 2021-05-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt. They are trying to collect a debt that is not owed. I never received note of the debt and fees. I also have proof that was sent this not owned. I have called sent several emails. I also have voicemail saying I dont not owe this. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Diversified Consultants, Inc.
State: AL
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:
XX/XX/XXXX, I RECEIVED A LETTER FROM DIVERSIFIED CONSULTANTS IN REGARDS TO A RECENT DIPUTE I HAD MADE. THE LETTER STATED DIVERSIFIED CONSULTANTS REVIEWED MY DISPUTE AND THEY CEASED COLLECTION OF THE ACCOUNT AND TO BE ADVISED THE CREDIT BUREAS IN WHICH THEY CONDUCT BUSINESS WITH WAS NOTIFIED WITH THEIR REQUEST TO DELETE THEIR LISTING OF THE ABOVE-REFERENCED ACCOUNT. AS OF XX/XX/XXXX DIVERSIFIED CONSULTANTS IS STILL SHOWING ON MY CREDIT REPORT AND HAS NOT BEEN DELETED AS THE LETTER STATED IT WOULD. I'VE SENT MULTIPLE COMPLAINTS AND DISPUTES INCLUDING A COPY OF THE LETTER TO THE CREDIT BUREAU IN WHICH THE LISTING IS STILL SHOWING AND WAS INFORMED DIVERSIFIED CONSULTANTS DID NOT CEASE COLLECTION OF THE ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from XXXX XXXX for about {$2300.00}. I phone the Ambulance company, gave them all my information in hopes of getting help. I also informed them, I had not received any services from their company. I asked them to send documentation of services and any and all signed documents-They could not supply any documentation. I noticed my credit score dropped and to my surprise they referred me to a collection agency. Grant Mercantile place a collection on my file. I disputed the collection with all 3 credit reporting agencies. XXXX  and XXXX were deleted XXXX kept it on. I have disputed this idea twice with XXXX and phoned them. They said it will remain, yet gave me no satisfaction as to how it was verified. I contacted the company asking for proof I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole one of my personal checks, forged my signature and cashed it for {$1800.00}. Reported the theft to the bank and XXXX Police Department. Nothing has been done about it. The bank has not provided done anything about correcting the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: Midwest Recovery Systems
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:
COLLECTION COMPANY 'S XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX.

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  {$810.00} DATE ACCT OPENED XX/XX/XXXXREPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT.

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX  OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENEDXX/XX/XXXX AND XX/XX/XXXXON XXXX, XXXX XXXX.

I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX  surety bond in Texas, XXXX collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXXand have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Please reference CFPB complaint : XXXX Additional information : USAA called me on XX/XX/2019 saying they received a notification from the CFPB and would be cashing out the CD that back my secured credit card that was closed on 1XX/XX/2019. They stated clearly that they would be sending me a check for the full amount and reviewing their policies for how they hand secured credit cards in the future. 

THEY LIED! 

Today is XX/XX/2019. USAA did cash out my CD but they are now denying me my own money. They have effectively STOLEN my money, over {$1000.00}. I NEED HELP GETTING MY MONEY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
call from Experion at XXXX from XXXX XXXX XXXX. I asked to be added to their own donotcall list and added that my phone number is registered on the donotcall list. They said they are a debt collector and are exempt from the donotcall list. I have no debts that are late or in arrears. They have no reason to call.

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