BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: ORG GC GP Buyer, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told them that ii do not owe them this debt over the phone and I e-mail them online and I am repudiating this debt, but they still send me letters and call me on the phone. GC services limited partnership, XXXX XXXX XXXX XXXX tx XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received letter from Wells Fargo stating I made deposit. I have never used this card when I called they ask for social security number in which I would not give was told I was being transferred. Phone disconnected

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 2019-05-22
Company: Experian Information Solutions 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:
There is a company called XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, MA XXXX ) that has been posted on my Experian, XXXX, and XXXX report that is complete FRAUD. Ive tried clerking with them in removing and telling them this isnt me, my name or address. Theyve refused due to being so greedy for money. This is not my account and Ive never opened anything with them. The balance date is : XX/XX/2019 and was alerted to me on XX/XX/XXXX. 


There is also another fraud file reporting on my Experian, XXXX, and XXXX report called XXXX in the amount of {$1200.00}. Ive tried stating to them this credit card was opened by my sister and NOT me. Ive had zero help in fixing this issue and it needs to be removed off of my account. I dont Understand why I have To keep fighting these fraud charges. I need My credit files LOCKED

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 2021-08-11
Company: EQUIFAX, INC.
State: MO
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:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Trans Union responded and C.F.P.B. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY XXXX XXXX ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED TRANS UNION FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR XXXX XXXX ATTORNEY XXXX XXXX XXXX, BUT TRANS UNION DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO TRANS UNION TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY XXXX XXXX, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR TRANS UNION TO RECOGNIZE HERE IN THIS RESPONSE XXXX XXXX FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.

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 2018-05-23
Company: Northland Group Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am attaching proof that i filed a complaint with the florida office of financial regulation-division of consumer finance. The company XXXX XXXX, XXXX, is a company that isn't licensed to collect in the state of Florida, I verified the license thru the Florida website and this company name or any variation of the spelling is not listed at all. I even called that same office and asked them to verify that was search for that company license was correctly done. I was informed by the rep that my search was done correctly and they did not show that company not having a license. They also informed me that Northland group put in for a name change, to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Norhtland Group informing me that I owe a debt and need to work out a settllement. My complaint is 1 ) they are not licensed to collect in the state of Florida as XXXX XXXX, XXXX which is who contacted me in writing, and 2 ) they are issuing Fraudulent allegations, stating that I owe XXXX XXXX, XXXX, and they aren't even operating under their correct name. This is clearly a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: AZ
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 XXXX  PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, XXXX XXXX, {$1000.00}, XXXX   {$2000.00}. 
XX/XX/XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XX/XX/XXXX Dining Room Set Owe, {$1300.00}, XXXX  {$2600.00} Total I owe is {$5000.00} XXXX  shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX  loan off before interest in accrued. 

The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, Equifax and XXXX. 
The Correct Amount owed : {$5000.00} Not owed {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Notice from DC for tax bill not paid for first half. Contacted XXXX XXXX XXXX, my loan servicing company. They asked to fax the bill with my loan number, which I did on XX/XX/XXXX. 

XX/XX/XXXX Notice from DC Notice of Delinquency and must pay by XX/XX/XXXX or my house would go to auction. 

XX/XX/XXXX contacted customer service, submitted documentation and was told someone would call back within 24 hours. No call back. 

XX/XX/XXXX called back and finally got escalated to a supervisor, XXXX XXXX. She again loaded the documents and " escalated the matter ''. She said it would be worked in 3-5 days. 

XX/XX/XXXX I spoke with XXXX XXXX again, still not resolved. 

XXXX XXXX XXXX has now missed three tax payments, this is clearly a violation of their responsibilities as my loan servicing agent. They are the ones that insist on the escrow but are putting my home at risk. What if I was out of town and didn't see this notice, I could lose my home. 

I must have action by XX/XX/XXXX to avoid my home from going to auction. Their failure to pay {$2800.00} in fines. I can pay this but I will then have to sue them to get it back. This is plain incompetence that has caused me tremendous stress and time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY 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 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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'm disputing a hard inquiry which appears on XX/XX/2019 by Capital one on my credit report. After unsuccessfully contacting Capital One i was told that to contact the three credit bureau cause they didn't recognize any such error in their part.i did so however i not see any positive outcome yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX  XXXX XXXX is currently managing my loans. I have been in contact with them and on the phone every month since XX/XX/2017. My loans were being serviced by other companies before I transferred them to XXXX  XXXX XXXX, and they continue to tell me that my loan payments from the old service companies " have to be processed '', but they have been telling me the same thing for 8 months now. I have made 120 on time qualifying payment, but most of them were to other service providers before I transferred to XXXX XXXX XXXX. The biggest problem for me is that have been family planning for years and setting up not to have to continue to pay on these loans, expecting them to be forgiven. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Marlette Funding, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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: Information belongs to someone else

Complaint:
cra violation inaccurate information po report not 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
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due

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 2019-10-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is in reference to # XXXX by Midland Credit Management , LLC, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from XXXX XXXX for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with XXXX, XXXX and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted XXXX XXXX, XXXX by phone on XX/XX/XXXX at approximately XXXX XXXX with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the XXXX XXXX, XXXX records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by XXXX XXXX, XXXX to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting a complaint regarding the actions that Chase performed on XX/XX/XXXX by selling the home I previously owned via Foreclosure despite an active Sales Contract that was approved and agreed upon through XXXX TN Bankruptcy Court. 

On XX/XX/XXXX, I entered into agreement with XXXX XXXX, Real Estate Agent for XXXX XXXX XXXX, XXXX TN to begin the process of a Short Sale of my home. The initial proposed sales contract dated XX/XX/XXXX was submitted to Chase for review and consideration. On XX/XX/XXXX I received a letter from Chase stating the amount submitted was too low to consider and to submit a new or updates sales contract. 

On XX/XX/XXXX, I received a letter from Chase indicating that my home was scheduled for foreclosure on XX/XX/XXXX. Two days later XX/XX/XXXX a new contract was submitted with a new buyer and a new amount of XXXX. Chase approved the Short Sale with the proposed amount. The sales agreement listed the closing date as XX/XX/XXXX. This sale was approved by the TN XXXX   District Bankruptcy court. On XX/XX/XXXX the agreed Short Sale was stopped because " Seller unable to provide good title. '' Because the home was in bankruptcy a lien was placed on it to assure that any proceeds of the sale would be paid to JP Morgan Chase as part of the bankruptcy agreement. The approval authorizing the sale specifically stated conditions that JP Morgan Chase Bank and all liens would be paid in full as the closing. 

On XX/XX/XXXX, Chase sold the home as a foreclosure auction by a Third Party at the same approved amount of XXXX. Chase was fully aware that a Short Sale which had been approved by the Bankruptcy Court was to have been completed by XX/XX/XXXX. Once the sale had been completed, all liens would have been released and the Seller could have received a complete title free from any liens. 

Because Chase did not fulfill the approval of the sale via bankruptcy and sold the home as a foreclosure, I will now have a foreclosure listed on my credit and that should not be the case. Chase negligence in adhering to the approval of the sale has now placed my credit in a dismal state. 

Because Chase neglected to fulfill the approved sale of the home that was agreed upon and in process of closing on XX/XX/XXXX, a foreclosure was performed. Once the Short Sale had been completed, the new homeowner would have received a title that was free from all liens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an interest only promotion from XXXX XXXX/Commenity Bank. 
I called for a loan payoff prior to term ending and paid on XX/XX/XXXX the payoff of XXXX. 

All of my payments were made for XXXX. 

They charged {$400.00} dollars for interest after the payoff. Continue to charge interest and late fees on the incorrectly charged interest in the first place. I have called 3 times and told they will never remove the interest fee applied post the payoff receipt on XX/XX/XXXX. All fees have been incurred since then. I have had this card for years and rarely use and now they are reporting 30, 60 days late on my credit report via XXXX and the other agencies as well. 
I did not use an actual card for this charge they processed electronically. The company will not provide me with the account number only my statement has the last 4 digits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The company is coinbase. 

I submitted a ticket that my account appeared to have been hacked. Upon submitting the ticket they froze my account. I followed the steps to unfreeze the account at which time they told me due to the nature of my complaint they were taking further steps to look into it. My account has been deactivated since XX/XX/21 and I have not received any updates from XXXX I would like to withdrawal my funds but I can not access them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called to work out a settlement offer and the company said I have to contact progressive insurance to work out a settlement. This can not be done because it was passed on to the collection agency already. My rights allow me a settlement to fix this debt. Ad Astra only gives me option to pay in full. I called them XX/XX/2019. The amount is {$610.00} for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare LLC took over servicing our mortgage for the XX/XX/2019 from XXXX. We have made all payments on time without a problem. The problems have occurred when I make addition principal payments. The problem is when I make the payment, Loancare applies it to two regular payments and the rest to the principal instead of applying it to the principal. I have called the two times I that they did this. I am told that it will take 5 days to process  and correct the situation. The new payment is always {$15.00} hire and I do not get 100 % of the additional principal payment on my account. 
Today I called the company, the agent I spoke to again took my payment over the phone, the original payment was XXXX and I was charged XXXX for my XX/XX/XXXX payment. When I asked why the agent told me she did not know. I asked to speak to a supervisor so I can find out. I was told that the do not forward calls to supervisors they would call me back within hour. That was at XXXX XXXX it now XXXX and no call has been received. 
The two incidents occurred on checks written : XXXX XXXX and XXXX XXXX. 
Additional information available.

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 2019-05-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since just prior to Mr. Cooper taking over the mortgage from Seterus we have been attempting to recover {$1900.00} from Seterus, and now Mr. Cooper. 

XX/XX/XXXX, Seterus claims they paid {$1900.00} to XXXX XXXX XXXX premium for the year XX/XX/XXXX. However, simultaneously, we acquired a new homeowners insurance company, XXXX, which we paid for the year out of our pocket, ending in XX/XX/XXXX. 

What I am looking for is a solution to this near year-old problem : When do I get my escrow refund of {$1900.00} with interest? 

To add pain and discomfort to this matter, we have had several telephone calls with Mr. Cooper reps and all claim to work this to the end. However, we have never been responded to, ever.

Company response to consumer: Closed with explanation