BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I recieved a notification that my credit had been pulled. I immediately called the company and they verified that my social security was used for an application that did not match my name or my phone number. They told me they would remove it but they have not done so as of XX/XX/XXXX. I dont know how they allowed an application to go through when it had my social and another person 's name, when asked for my tried to verify me as the applicant they asked for my middle name, but I dont have one, the phone number listed also was not mine. This company has terrible security issues if it allows such things to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. XXXX  refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about 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 2019-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage in the amount of {$1000.00} on XX/XX/19. The payment shoyld have applied and posted on XX/XX/19. My statement, online system, and phone system all state the payment posted on XX/XX/19. I called SPS Servicing on XX/XX/19 to complain and phone reps assure me verbally that payment properly posted on XX/XX/19. I do not believe them because SPS Servicing is a 3rd party payment processing company that I have no written agreement with and I do not trust them. I want to end my relationship with SPS Servicing and go back to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid the balance off several months ago. Nothing has been updated on my credit report for this account since XXXX, it's NOW XXXX. I feel 7 Months is more than enough time to update my credit report, especially when the account was paid in full and it's not being reported as such. This is for BJ 's Credit card through Comenity Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I was in a collision in a vehicle I rented from XXXX XXXX  XXXX. XXXX filed a claim ( # XXXX ) and I created a claim with my primary insurer, XXXX ( # XXXX ) and my secondary insurer, XXXX XXXX XXXX ( # XXXX ). 

XXXX timely approved payment on the claim to XXXX, and my secondary insurer paid my deductible on or about XX/XX/XXXX. 

Since then, XXXX has refused to take payment from my primary insurer and has started threatening me with legal action. I have called XXXX and XXXX on atleast four separate occasions and both have assured me they will sort it out. Nevertheless, I have continued to receive threatening communications from XXXX that, unless I pay the remaining sum, which should be paid by XXXX and which XXXX has already agreed to pay, I will be sued and reported to collections. 

On or about XX/XX/XXXX, I received a formal letter from a collection agency, XXXX XXXX, that XXXX had assigned the debt and that I am subject to legal action. 

At this point, it appears that XXXX has decided not to work with my insurer, who has subrogated my claim and agreed to pay, and is instead insistent on shaking me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I submitted a dispute to advised one of my creditor was paid in full as of XX/XX/XXXX XXXX which I open XX/XX/XXXX. The balance showed on my experian acct as XXXX I then get a result stated it came back as accurate 2days after I submitted the dispute which they didn't even verifiy with the creidtor so I called XX/XX/XXXX and spoke to a rep who 3 way the call with me and the creditor who confirm the account has been paid off in full the experian rep stated he will process the account as closed/never late paid in full well I gor the result back XX/XX/XXXX and he submitted the update for the wrong account an account for XXXX   that I had already paid in full last year prior to opening another loan I need this to be resolve Experian is no help anytime I try to update correct issue this is the 3rd complaint I had to report because of thier incompetent

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 2018-12-07
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
You are reporting a paid medical collection on XXXX, XXXX  and XXXX. This debt was paid directly to XXXX XXXX XXXX ( see attached proof ) and should have never been reported to the credit bureaus by you. This reporting has damaged my credit score and is preventing me from qualifying for a home mortgage. I want it 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 2019-02-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I used a banking app called XXXX, owned by Early Warning Services, to send money to my sister in the amount of {$250.00} from my bank account, via my debit card. The app states that the receiving person should receive notification of the transaction within 30 minutes. We waited but my sister never received the money or any notice of the transaction within her XXXX account. I called XXXX to verify and they told me the transaction processing was controlled by the issuing bank and they couldnt cancel or reverse the transaction. I could see the transaction as PENDING on my online banking. Since it was a holiday weekend, I waited until XX/XX/XXXX to see if the transaction reversed. But it did not reverse, the transaction posted and the money was removed from my account. By this time, my sister still did not have the funds or access the funds. I made repeated calls to XXXX, as did my sister, and they advised that her email address, to which I sent the money, was affiliated with her an old bank account, not her current bank account. The old account had been closed many years ago. XXXX advised my sister to call her bank and reassign the email address to her current bank, which she did. After doing this the money still did not post to her account. I called XXXX again and was told that if a recipient does not claim the money sent to them within 14 days then it will be returned to the original sender. So, I waited until XX/XX/XXXX but by then the money still had not been returned to my account. I phoned XXXX on XX/XX/XXXX, and they told me they can not return the money and I have to file a claim with my bank. I then called my bank on XX/XX/XXXX and filed my claim. As of today, XX/XX/XXXX, the Claims Dept of my bank ( XXXX XXXX ) has told me they are at the mercy of XXXX and it is up to them whether or not I get my money back and they can not guarantee any success. XXXX, and therefore Early Warning Services,  has stolen {$250.00} from me and has no recourse for me to get it back efficiently. This is unacceptable and a form of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Made several attempts to resolve this issue but to no avail.

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 2019-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received Wells Fargo Bank, Home Mortgage 's response and it proves that keeping accounts up-to-date is not something that happens. Again, Wells Fargo Bank, Home mortgage is attempting to falsifying the facts to avoid admitting that the Wells Fargo Bank employee gave out Mortgage account loan information illegally. Wells Fargo Bank is under criminal investigation and this branch location was raided. Wells Fargo Bank was forced to turn over all documents on this matter to law enforcement. The fact is that this bank employee gave out many people 's loan account information as well as mine. Wells Fargo Bank, Home Mortgage still does not have the proper payments. They are wrong about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX just to mention a few. I have the proof. Wells Fargo Bank is again under investigation for the criminal activities of it's employees. More missing payments are the extra payments made each year from XXXX. That is again a lot of missing money. There is no explanation as to why I was wrongfully charged lated fees and interest from XX/XX/XXXX to present. This loan is paid in full, yet Wells Fargo Bank claims that there is over {$6000.00} in late fees and interest on what they claim is {$4000.00}. How does anyone justify over {$6000.00} in late fees and interest over a few months? This is how Wells Fargo Bank steals money from people whose mortgage accounts Wells Fargo Bank took over. I did not get my original loan from Wells Fargo Bank and the account has been a disaster ever since they took over my account.

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 2019-02-27
Company: ERC
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:
I'm a victim of fraud/identit theft and checked my credit report a few days ago and saw that there was an account in collections that I never signed for or ever had knowledge of. 

ACCOUNT ( S ) -XXXX  XXXX XXXX -AMOUNT {$300.00} -DATE OPENED XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a prior CFPB complaint against Wells Fargo. that was filed in XX/XX/XXXX ( CFPB Case # XXXX ).  This saga continues unresolved. 
Wells Fargo is the second lien holder on my property. They told me once my first lien is modified by XXXX XXXX under HAMP & Making Homes Affordable,  Wells Fargo would follow suit, per Second Mortgage modification Program ( 2MP ) as obligated by Servicing Program Agreement ( SPA ) signed by Wells Fargo in XX/XX/XXXX with the Treasury Department. Now they refuse to live up to their obligation. 
Second Mortgage Modification Program ends on XX/XX/XXXX. They have been stalling since mid XX/XX/XXXX to  exhaust this deadline. They are required to " mirror '' the 1st lien holder 's Modification terms, and since my property ( in Florida ) is severely underwater, forgive part or all of the principal ( per Making Home Affordable agreement ).
Every phone call and follow up with Wells Fargo is costing me an additional 15 days for them to respond. PLEASE DO NOT EXTEND THEIR RESPONSE TIME.

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 2018-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i had 2 captiol one accounts, there was a lot of confusion about which account they were attempting to collect on. I was paying my card and even received XXXX for my second card. I attempted to resolve but this was pushed to collections before i could resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The company locked access to funds on the account because I submitted a change of address. After months of back and forth on how to resolve this problem, I was told to fax my information to them. On XX/XX/2020, I faxed over my information. About a month later with no progress, I was told that they had given me the wrong fax number. On XX/XX/2020, I faxed over the information again and followed all procedures. Today on XX/XX/XXXX, I was told that they cant find the fax and was told to fax it again. My account has been locked for several months and I just need access to unemployment funds. I kept getting told to wait and call back or that theres nothing they can do. I even spoke to a manager and she was the one who said to try again.

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 2019-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
IN ABOUT XX/XX/XXXX-XX/XX/2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.

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 2022-02-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have twice been issued a XXXX XXXX credit card by Chase ( XXXX and XXXX ). In both situations my application was approved, I was sent a credit card and then the account was closed before I was able to make any purchases on the card. When I called to question the decision I was told they would not be able to disclose reason for closing the account. 

I also opened a joint checking account ( with my spouse ) in XXXX. They also closed this account and refused to disclose reason for closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am once again the victim of magic math at Citizens Bank. As of Yesterday all of the same payments that show today had cleared and I had been overdraft by my automatic payment to XXXX XXXX. I had almost {$7.00} in the account so I was only in the red for almost {$16.00}. Moments ago, I opened the app to see if my IRS refund went in today. No refund ... no new payments and {$50.00} in the red. This seems to be an epidemic with this bank. How many people in the poverty bracket are they taking advantage of daily? 

XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX DOB XXXX SSN XXXX Citizens Bank Routing number XXXX My Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Navy fed did not tell me my x was not paying the mortgage untill it was about 3 months late i i asked what took so long i was told his info was on the loan. Well i have 3 checking accts 2 saving accts and they mailed a letter to tell me it was three months behind so Why couldnt they tell me when the first payment was not made. I have a legal right to know everything about the account and if they didnt have my inf thats on them not my fault in that illegal excuse. Last year when he didnt pay they took it from me they said we signed something in the mortgage letting them do that do i wasnt worried about him not paying cause they would take it out of my acount but they did not i asked why and got no answer. I think they just set you up to fail. No i am forced to live in a house with no roof because they are holding my insurance chech and they took the money fema gave me to pay my credit card bill and i have payment arrangements with a company i am working with to pay off my debt. I called and told them thst was fema money and i can go to jail was using it for something other then ehat it was giving to me for she put me on hold and came back and said it would not be reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Keystone Credit Collections Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the XXXX agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The Capital One auto loan account was discharged in bankruptcy and the vehicle was surrendered in XX/XX/XXXX. I tried to have this account report as closed in XX/XX/XXXX. Capital One then placed a negative payment history on my record for XX/XX/XXXX, which dropped my score by XXXX points, for an account that should have been closed over two years ago. The account now shows closed with XXXX and XXXX. It is still reporting as open with XXXX. Please remove the recent negative payment from XX/XX/XXXX and ensure the account is showing closed under all credit bureaus. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS 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 non-monetary relief
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: AL
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:
On several occasions I submitted numerous of letters to XXXX, Equifax, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On several occasions I submitted numerous of letters to XXXX, XXXX, and transunion, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.

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