BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX and today ( XX/XX/XXXX ) I received calls/messages and spoke with someone for XXXX XXXX threating a suit for fraud. The language and demeanor is very threatening.

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 2021-06-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Services is in violation of the CARES Act, RESPA, and FDCPA. 

PHH Mortgage Services has spontaneously scheduled an illegal sale of our home on XX/XX/XXXX in direct violation of the CARES Act. Because the federally backed mortgage is stayed from foreclosure actions, there is no excuse for the actions of this servicer. 

In addition, PHH mortgage services has completely ignored a previous Notice of Error issued on XX/XX/XXXX, and is currently in receipt of another Notice of Error which it received on XX/XX/XXXX. PHH can not move forward with a sale while there are pending Notices of Error that have yet to be addressed and resolved. I have not even received any statements from PHH since XX/XX/XXXX, and I have not been in bankruptcy during any of this time. 

When the servicer receives the Notice of Error within 7 business days of the sale date, they absolutely must cancel the salethis is the law. We have attached the signed certified mail receipt dated XX/XX/XXXX, which proves that the servicer is in timely receipt of the Notice of Error. 


Please see attached letter with attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Received a notice that I requested a new account with Wells Fargo. I did not request the new account. A few days later, via USPS I received a credit card for Wells Fargo and a letter. I took the confirmation letter to the local Wells Fargo banker in XXXX on XXXX XXXX, he spent some time with me trying to determine the status of the account, then told me the account was now on hold. He also gave me some tasks to complete, to get with the local police department ( which I did ) and to contact the Credit Reporting companies ( which I did ) to make them aware of possible identity theft. 

Recently I received a third letter from Wells Fargo about my checking account and thanking me for being a " loyal Wells Fargo customer ''. I took that letter to the local Wells Fargo banker in XXXX. The banker said he thought all was well, because the account was on " hold '', but in a few days I should call the 800 number on the letter and check to be sure. 

I called the 800 number ( XXXX ), was placed on hold, then was told someone would call me back. XXXX of Wells Fargo returned my call, I explained the situation, he said that Wells Fargo could only place the account on " Hold '' and it would be " Frozen '' and then he said he would " close '' the credit card 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 2019-04-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC
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 am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with LAW OFFICES MBA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: CA
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:
Citi closed all of my Citi credit cards with no contact. I was using Citi cards for many years, paid my bills and annual fees on time. From last XXXX, I was out of US because the Covid 19, so I missed 1 or 2 payments, but paid off in second after I found that. Sometimes, Citi.com wasn't easy to login outside USA, also the Citi App. I have good financial condition, and many investments. I don't understand why Citi closed a loyal customer 's accounts, for only few dollars interest and late fees. And I was paying the interest and late fees. Also, Citi confiscate all of my cash back rewards, around {$500.00}. I need to protect my rights. Never receive any letters which explain the reasons how the decision was made, even I asked Citi couple times.

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 2018-04-04
Company: EQUIFAX, 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:
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXXthat are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by Target in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
A federally funded financial institution ( Wells Fargo ) setoff funds from my checking account to pay a balance on closed credit card account issued by the same bank without authorization. They stated they could do this based on an agreement I signed when the checking account was opened. I have disputed I signed such an agreement and they are refusing to provide a copy and/or have refused to reverse the setoff.

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 2018-02-01
Company: AR Resources, 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:
After reporting AR resources to the CFPB on XX/XX/XXXX I received a response back from them stating that the account would be removed from my credit file. After speaking to a manager today,XX/XX/XXXXI was told that it will not be deleted until the debt is paid. This debt for the amount of {$650.00} and is a medical debt. I provided proof already that I had insurance at the time but they have yet to remove this debt from my report. Im confused as to why they would say that this debt will be removed from my report and then turn around and say that it will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX  student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

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 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital one called the company asked about the 0 % interest disclosure it is not included on the statment on purpose it posted internally on the company computer when you call them. 

I asked for the interest posted t be disputed they declined told me could write to their general corresponsdence mail box via fax XXXX They did not feel like this was a scam, disagree

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is attempting to collect a debt for {$1500.00}. 
I mailed a request to company requesting debt verification, they responded on XX/XX/XXXX with a summary of charges and billing statement. On XX/XX/XXXX, I mailed a 2nd certified letter requesting legitimate debt verification documents including signed contracts to prove the debt is mine. The letter was deliver on XX/XX/XXXX, XXXX. The company has not responded to my 2nd request therefor waiving their rights to collect on this debt as stated in the letter I mailed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IN
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 XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of XXXX   offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the Professional Bureau Of Collections Of Maryland. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX prior to leaving town, I did my mobile deposit to pay bills as i have done over and over for 2 years. I received a TEXT as always that confirmed my {$10000.00} was deposited and {$8000.00} in bills were scheduled tfor Friday XX/XX/XXXX. No other communication was given, and I discovered this in error - and then panic! 

I was panicked and called 800 # - just to be told by " XXXX '' and then her supv " XXXX '' for 33 minutes that nothing could be done. I was read the policy several times and neither of these reps listened to the logic, or even dug in to see this is the same check for 2 years - then in addition i NEVER got a text saying magically your money is not NOT YOURS after 2 years of taking this deposit mobile over and over again. 

I in a panic had to find {$10000.00} and pulled from a suntrust credit card to simply quickly cover my expenses- this is a horrible feeling and zero support from truist - nothing at all about my panic or the financial impact to me if ALL OF THOSE BILLS were returned - i now have an advance fee of {$400.00} and i do not believe i need to pay this huge financial penalty to fix what truist refused to resolve!!! 

I was also told that a new Truist policy was implemented on holds after merger was complete, so i would have to deal with it- are you kidding me???

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 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$450.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX, Lexis Nexis and XXXX XXXX. I am in the process of buying a home and I need access to my files asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX These 5 duplicate accounts need to be verified or deleted

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 2019-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
once again I am complaining about my mortgage company OCWEN they are the worst company on the face of the earth! 
I have said it before and I will keep saying " they are spread out too thin to be effective '' they have offices in XXXX and the when they send out information it always comes from their XXXX XXXX XXXX Florida office. their left hand does not know what their right hand is doing. I call their toll free number from my residence in the United States I should be connected to some one in the United States NOT XXXX!!!!!!!!!!!!!!! 
XXXX does not understand and they do not have up to date records payments go to a US address in XXXX XXXX Illinois as another office, they are spread too thin. They do not credit payments when they are received so they can charge a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX of the XXXX gift cards valued {$50.00} I purchased was not redeemable a week later when I first tried to use it. It was purchased at XXXX XXXXXXXX XXXX, CA on XX/XX/2021 around XXXX. I was bounced back and forth between XXXX  customer service and XXXX XXXX about this XXXX balance new XXXX gift card. XXXX  verified it was activated therefore it can not be refunded. XXXX XXXX said it was redeemed right after activation. A redeemed gift card can not be refunded. Therefore I as a consumer and victim of this cyber robbery was left with the loss. It is very unfair! Both XXXX and XXXX refused to take responsibility of the security of their gift cards. I will never purchase another gift card again. The consumer lose money when the purchased gift card has no fund in it since it is nonrefundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: WELLS FARGO & COMPANY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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