BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
Company: Cordoza & Wexler Recovery Services
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Received VOICEMAIL message today on mobile phone from number, XXXX " " my name. '' This is XXXX XXXX I'm a carrier with the county responsible for serving you legal documents pertaining to your social security number. This is an attempt to locate you at your residence or place of employment to obtain signature. This is a fail attempt it will result in a missed court appearance on your behalf. To stop the practice of being served or prevent a missed court appearance that you please press one to be connected to be directly connected to a representative or connect the filing party at XXXX. 

When I called them they stated they were from the law office of Cardoza and Wexler. When I pressed for more information I was either hung up on or left on hold until I hung up. 

The debt they are sighting is an old payday loan that has already been paid over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im writing you this letter to inform you that XXXX XXXX  will not take this one late payment off of my three credit reports. I have sent them all paperwork too show I have had mail theft in my neighborhood, and it's been going on for a long time, so when I first got my credit reports I noticed things that weren't right that were on my credit reports. I started investigating all of my accounts. XXXX  was one of them, it was showing I was late on XX/XX/2014, I had called and spoke to a supervisor, and a lot of there employes that worked there, so then they sent me papers too fill out, and i sent them back and that went on for about 4-5 months all of this for one late payment on my target account, that was for a late payment, and it wasn't my fault it was due too the mail theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Santander Consumer USA Holdings Inc.
State: MS
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 called on XX/XX/18 and spoke to a lady and told her that my XXXX account was not listed on any of my credit reports. I have a signed copy of the reaffirmation agreement from the court but they refuse to show my account in good standing.I was told that they will not report my account even though I was never late or missed any payments. The reaffirmation agreement with the court should make them legally have to report my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/13 i placed a check from my grandmother in my bank of America account. The check was not verified and they immediately closed account & sent check back & closed the account on suspected fraud. All they had to do was contact my grandmother [ which the next bank i oppened did ] and she would have verified the check was Not fraud and to cash it. This is now why i am unable to open a new account. The check was not fraud a simple call to her would have shown 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 2021-04-25
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The school had obtained my loan fraudulently and had someone posing as myself and taking classes with my name and using my loan money. The person also was refunded XXXX from my loan and I want this debt settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home mortgage end of XX/XX/2018, beginning of XX/XX/2018 and was pre-qualified. I found a home to purchase and entered into a contract XX/XX/18. Caliber Home loans was handling the financing loan for this new purchase. They requested the usual documentation such as the most recent XXXX 's for the past two years, most recent 30 day paystub from employer, last two months of bank account statement, etc. etc. Every document requested was provided to the company. I was selling my property in order to finance a conventional loan with 20 % down and this was disclosed from the beginning of application to loan officer. We were expected to close the same day on both properties, that is my old home and new purchase on XX/XX/18. My property being sold closed but I could not close on the new property being purchased due to the underwriter delaying funding of my loan. She kept on requesting documents at the very last minute, some of which had already been provided to the loan officer, and she kept on questioning information on my application that was clear and evident from documents that I provided to them. She would take 48hrs to review one piece of document and would then request more therefore delaying the close of my escrow on the new purchase even more and causing me to incur extra financial charges by delaying the move to the new property as I had to rent back my old property. She delayed the close of my Escrow on new property by almost a week and this caused a financial hardship for me and my family not to mention a severe amount of physical, emotional and mental stress that caused me to suffer physically by XXXX XXXX XXXX   supply as a XXXX XXXX which affected my 6 month old baby. I felt like I was being discriminated against for being a single XXXX XXXX XXXX of XXXX. She requested the child support order that was not even consider in the application as a mean of income for repaying the loan. Even at the time of signing my documents with the notary she wanted me to provide another statement from my retirement account even though the most recent had already been provided. It was the most stressful and horrible experience of my life as I was almost forced to move out of my old property without having a new place to move into and no preparation as she delayed the entire process and I felt like I was being evicted out of my old home and had no certainty as to when I would close and receive the keys to my new home. I have never had such an experience with a home mortgage and I have refinance several times. I would never finance again from Caliber nor would I ever recommend to my family, friend, co-workers or the public in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, my wife, who normally takes care of all household finances, was XXXX and was diagnosed with XXXX XXXX, which made her very ill for the duration of her XXXX. During this time, most of our bills were set up on automatic payments, but this Mortgage, in my name only, was unfortunately not. I take full responsibility here, I had the ability to pay, but with a sick wife and then a new XXXX at home, I fell behind on my payments. 

I have since caught up and will be making regular payments moving forward. I have been very happy with the service, but realize I was not the ideal customer and have made mistakes with the handling of the account. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was, however, hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. I have already contacted the Mortgage Company was told that they won't do a good will adjustment, nor are they willing to help me fix the credit history. 

Wells Fargo has also continually lied about my account status. In XX/XX/XXXX, a rep there told me I was able to make my next Payment in XX/XX/XXXX, but when I went to make the payment I was told my house had been put in foreclosure.

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 2018-09-05
Company: Asset Management Outsourcing, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is continuing to report 8 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX XXXX XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. 
XXXX in the amount of {$1300.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1300.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$1400.00} XXXX XXXX XXXX in the amount of {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The only address I have lived at is XXXX XXXX XXXX XXXX. I have not lived at the other address listed. 

I also was never employed at XXXX. 

I have never opened a XXXX XXXX Account which states that one payment was made and the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: GA
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:
The number of times late that is being accounted on my credit report seems to be inaccurate and or deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Well I went to apply for a payday loan from ace Cash express and I ended up getting denied and when i received the email stating why it said that profile didn't match first name and that my social security number was registered as deceased. And not I only them but XXXX XXXX too when I called them to verify my identity over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was not planning on reporting this- but when I saw my review online, The XXXX XXXX -XXXX- Credit Card had HUNDREDS of horror stories on the website under the 1-star reviews. So I felt obligated to report this card - because at best it is literally useless, at worst, it is fraudulent and costing consumers hundreds of dollars in fees and interest. They should be stopped. 
In my case : They only gave me a {$500.00} credit limit. I make a very comfortable living on my own, and with my husband, we are, well off, making about $ XXXX per year. My credit rating is over 800. My other credit cards have either no limit or a limit of >XXXX ( on which I do not carry a balance ), yet this silly little store credit card only extended me {$500.00} of credit - even though they could see from my XXXX purchase history that I buy that much in one sitting on a regular basis! And, then I can almost never use it for any purchases after the 1st time, because the limit was reached instantly after the first purchase. I immediately set up online payments, but still kept getting denied all purchases 2 days after placing XXXX orders with this card, making all my deliveries LATE!!! Making the use of this credit card impossible before the payment was due / payment credit was recognized. It has literally taken them 30 DAYS to credit my account with direct electronic payments from my XXXX XXXX   account to them. 
In anticipation of future XXXX purchases, I even tried to pay the balance off IN ADVANCE and I tried over paying, the credit card company would debit my bank, show the payment and credit my balance, but NOT CREDIT MY Credit so that when I went to use it, my card would say my balance was XXXX but my available credit was still only $ a few dollars or something. So I could not buy anything that cost more than $ a few dollars! 
Its a total scam. 
Awful and frustrating card. 
I called their customer service line and they were no help. They said after the first month it would get fixed. That it was just until my account and bank account was established??? But its still the same and now some of my XXXX gifts and subscribe and save orders that went on that XXXX Credit Card that set up as my default card were late and useless. 
I also tried and requested a credit line increase and was denied. 
So, buyer beware. 
The link below should go to the Synchrony Bank XXXX XXXX XXXX website comments page. 

https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BARCLAYS BANK DELAWARE
State: NJ
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 an account w/Barclays ( ending in XXXX ) on which I purchased a laptop for my daughter with 0 % financing in 2017. I made payments well above my minimum and asked that the payments be applied to that purchase first and they chose to apply ALL of my payments to subsequent purchases. 

Now three ( 3 ) years later, i get a bill with additional interest of {$770.00} added for this month, which includes interest back to 2017 for the promotional fee that was not paid off, as they applied all payments to subsequent purchases. 

i have never been late on any bills ; i have made payments well above my minimum ; this is unfair consumer relations, and especially during these trying 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 monetary relief
Consumer complaint received 2022-08-09
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
Over a year ago I had attempted to secure a payment plan option with a firm submitting a application that was denied therefore there was no account created in my name. Fast forward to date XX/XX/21 my mother had filled out an application to secure a payment plan option through Affirm for a tire purchase made from XXXX. Soon after my mother acquired the payment plan, I downloaded the XXXX app to keep check on my credit and noticed there was an account for Affirm on my report. I had checked with my mother to make sure this was not her doing. She does not have my social and confirmed she did not use my information. I had reached out to a firm at least 10 times since and has received little to no help and absolutely no resolution. I had a very astonishing conversations varying from " this isn't our fault '', " there is nothing we can do '', '' this account doesn't belong to you so we can't disclose information but also can't say its not yours ''. I have also tried contacting XXXX and have had no luck. I have submitted a police report. I have submitted affidavits. After every submission this company has either due to lack of evidence deems me responsible for a affirm account not in my name that is tied to a loan that is not in my name. ALL THEY HAVE TO DO IS CALL THE COMPANY TO VERIFY WHOSE ACCOUNT IT IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
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:
I have a payment arrangement with XXXX XXXX on a delinquent account. 
XXXX XXXX has received 4 payments on time of the 6 payment arrangement. 
The final payment is due XX/XX/2018.I have two payments of XXXX to go in XXXX AND XXXX for completion of the attached agreement. 
in the agreement it says under " what you need to know ... .. '' - '' in accepting this settlement we intend to discontinue collections. '' - '' your payment ( s ) are confirmation of this arrangement '' YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGEOFF WITH NO NOTES OR INDICATION OF THE AGREEMENT! DO THEY THINK THAT ALL CUSTOMERS ARE XXXX! THE REPORTING TO BUREAUS, THE WAY IT IS REPORTED IS A COLLECTION EFFORT AS DEFINED BY THE FCRA! 
I HAVE NO FAITH THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '' SINCE THEY ARE NOT HONORING IT NOW, YET I WILL MAKE THE NEXT 2 PYMTS. AND HONOR MY END AS I HAVE DONE! I HAD TO DISPUTE JU8ST TO GET THE PAYMENTS REPORTED, RECENTLY. 

XXXX XXXX IS CROOKED FROM THE TOP DOWN AND EVERYONE KNOWS IT!

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 2019-05-23
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My mom was my payee, she called to make a payment ( I was there ) the man she was talking to Said I wasnt in there system. We repeatedly told him my name and kept saying I was not in the system. My mother says well if shes not in the system then who are we sending the money too? He said he did not know. Them mom said then I guess we not pay u because shes not in your system. And that was it. I was NOT in there system as they kept saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Chase/JP Morgan bank has me listed as being deliquescent on a credit card in which I have never owned. I have never had an account with Chase Bank and have never lived at the address linked to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted IC Systems on XX/XX/2018 in regards to a debt they are reporting on my credit report from XXXX XXXX XXXX. I was connected with XXXX XXXX XXXX ( ID # XXXX ). I explained to XXXX XXXX that I had previously contacted the XXXX  regarding this debt as it did not belong to me ( it belonged to my ex-son-in-law ). As a result of my XXXX complaint, XXXX agreed to remove the account from my name and delete the credit notation. XXXX XXXX indicated that he would mark the account as " disputed. '' I then asked what the process would be from there, and XXXX XXXX replied that IC Systems would take no action until they heard from XXXX. I informed him that it was IC Systems that was reporting information to the credit bureau, not XXXX, and that they are responsible for the information they report. As such, I urged that they contact XXXX to verify the validity of the debt they were reporting. His response was that it was not their responsibility to contact XXXX, but rather that it was my responsibility because it was my debt. I told him if they did not research the debt I would contact the XXXX. At that point, he provided his name and ID # and the call ended, with IC Systems continuing to refuse to research the debt they are reporting. I did follow up with a XXXX   complaint which is currently pending.

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