BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice to answer interrogatories sent by employer. Midland Funding LLC placed a default judgement against me for failing to appear. I never got any notice of this action or it would have been disputed immediately. I went directly to the court house and copied every page in my file. It appears that they have illegally filed default judgements that I was not notified about. I researched this company and the assignees. All of them are defendants to the 42 state law suits filed by FDIC. Reference {$6.00} Million dollar settlement agreement Encore capital group, Midland Funding LLC, Midland Credit Management, XXXX XXXX XXXX XXXX. Improper service, lack of service, affidavit robo signing and much more. I have proof of robo signing in my file. Unsigned affidavits with exact duplicate hand writing that says White House. My neighbors also have white houses. 2 of the affidavits each from different years have White House boldly hand written across the affidavit. My house as addressed was brown This is a provable fact. My husband and I bought the house in XXXX and it had green asphalt siding on it. We installed new brown siding on the house in XXXX and I have pictures of us installing it. It is still the same siding today. The files have absolutely no validating information to verify these debts belong to me, no justification of amounts owed, no original documents pertaining to me, no documentation stating I have any obligations to Midland or anyone else, no timetable of defaults time barring or otherwise. I researched several years of law suits for the exact under handed activities I see happening in my case. I want these fraudulent judgements and impending garnishment vacated and them to cease and desist any further illegal actions against me. The law suits identify several violations including : Encore Capital Group , Inc and its subsidiaries, Midland Funding LLC, Midland Credit Management , Inc were charged for using illegal tactics to collect unverified debts. The settlement resolves a multistate investigation into debt-buying companys collection and litigation practices, including claims that Midland robo-signed and filed affidavits containing unverified and potentially inaccurate information to support debt collection lawsuits against consumers.. The settlement provides debt relief to hundreds of consumers and requires Midland to reform its practices. The lawsuits state Midland violated federal and state laws, including the federal Fair Debt Collections Act. A copy of the settlement agreement is available at : XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2017 a credit card with this company was opened without my authorization or knowledge I have never had an account with them or authorized anyone to open an account on my behalf. This account was open fraudulently and is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced with United Wholesale Mortgage in XXXX. We closed on XX/XX/XXXX, and signed a document that stated we were not in a flood zone. However, the second paragraph stated that if something changes, UWM can require flood insurance. On XX/XX/XXXX, we received correspondence stating that we were now required to purchase flood insurance. We have lived here for 11 years and never been required to purchase flood insurance, so I called and asked why and what had changed. They stated FEMA is saying we live in a flood zone. I have a survey of my property that was done when the lots were split and it shows that I am not in a flood zone. There is a stream running through my property, however my house is elevated and back from the flood zone. I have asked on three occasions to get the documents the company used before closing and the document that supports the change after closing. I have received nothing but the document I signed at closing. My last call, the rep stated that my survey was not in my file ( I submitted it during the refinance ) and I should upload it to the company webpage and she would send an email explaining the submission of the survey. This was yesterday the XXXX of XXXX, then I received an email telling me that my submission was insufficient or inaccurate, and I should call. When I called today the XXXX of XXXX because of the email I received, I was told to submit the documents again and she would send another email. I am getting the run around, this refi that was suppose to save me money has now cost me over {$2000.00} in flood insurance as well as an additional {$680.00} that UWM charged me for a lapse in coverage that I don't need! And that money went directly to them! I am not able to speak to anyone except the front line call center who can not help me and who several have been really rude. I have repeatedly asked to speak to a supervisor or someone in the insurance department and I have been told that is not possible. I am beyond frustrated, and because this happened I went and read reviews on the company, there are numerous bad reviews for the same exact reason of having to purchase flood insurance. There is definitely a pattern. If I had known that I would be forced to buy flood insurance, I would not have refinanced my mortgage. In addition I have contacted FEMA and was told that a survey of a property should be sufficient to provide to the mortgage company. I have attached a copy of the scanned survey, it is divided into 8 pages due to its size.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: ACRE MORTGAGE
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Branch Manager at Acre Mortgage was very unprofessional with my home buying process. He never communicated any information to myself or my realtor other than my application was in underwriting and that was 2 weeks ago. I was set to close on XXXX XXXX but had to request an extension for XXXX XXXX due to XXXX XXXX not starting the paperwork until XXXX XXXX even though my contract had been pending since XXXX XXXX. We had to contact the corporate office twice because XXXX would never return our calls to provide a status of the loan. Now today is XXXX XXXX the potential closing and XXXX XXXX still has not contacted anybody about the status of my loan. He gave me the run around for 60 days when I could have potentially been dealing with another lender. The title company, realtor, and myself are beyond disappointed in the way this branch manager handled us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-13
Company: Merchants and Medical Credit Corporation, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I received a letter from the Senior Vice President of Regions Bank FDIC, stating that on XX/XX/XXXX Regions Bank recently discovered that I XXXX XXXX XXXX was charged one or more Paid Overdraft item or Return item fee due to an Operational Error in processing certain merchant Check Card transactions made. He further stated it is possible that Assessing the Original fee may have reduced the Available Balance in my account due to one or more overdraft item or returned item fee, See Exhibit-A. This was Multiple Illegal Overdraft Fees carried out against me, with written Documentation from the Senior Vice President, XXXX XXXX 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 2019-04-13
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My income driven payments were increased in fall XXXX. I tried to apply to a program with lower payments, but was instead given a higher income driven payment. Despite the application online which stated that I would be placed on the plan with the lowest monthly payment. In XX/XX/XXXX, there was still uncertainty about my amount due. As such, I paid the amount on the bill, And rounded up by four cents To make an even amount. In XX/XX/XXXX, I paid the amount that the automated system said was due. I was later told that I was past due four cents. I asked why and how to pay the four cents, but was never given info. A month or so later, I was finally told the payment was short, because the automated system was incorrect because I had rounded up the previous month. I was never Told not to round up payments. I also relied on the information they provided me in XX/XX/XXXX. Im now being told my payment wont count for Public Service forgiveness because of the four cents. I was told by an ombuds I cant ever round up for PSLF payments by an ombuds. I was also told this happens often and that their automated system is often incorrect. I was told the department of education must now make an exception to count my payment for that month, but they do not ever do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to XXXX, XXXX and XXXX and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Claim XXXX Wells Fargo XXXX wellsfargo card claims said I authorized billing charges on my card when I didnt. The car rental was presented the card for insurance to drive the rental car not for billing. They where suppose to charge the dealership under their warranty account as they work on my car. Wellsfargo wont reverse the charges even though the charges were supposed to be charged to the dealership.

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 2017-12-09
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I was approved for a balance of {$12000.00} on a Chase Credit Card. I requested a balance transfer of {$12000.00}. I received an email asking if I requested a balance transfer of {$11000.00}. I replied " No '' as this was not the balance I requested. Chase now states that since I replied " No '' the balance transfer was cancelled. I explained to them that I answered their email correctly. I also received a letter from Chase stating " We transferred part of your balance '' and further " Amount we will transfer {$11000.00} ''. We were not contacted by Chase when the cancelled the transfer. Chase now states they can not transfer this amount do to their policies. The failure of chase to provide the service they had promised and approved has resulted in additional costs to us. We want to be compensated for our loss due to their " Bait and Switch '' tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 at XXXX pm XXXX I was contacted by XXXX Bank about a bad debt of my EX Wife and her last known husband. I informed them it has been over 10 years since I have seen or heard from her, and that we were still divorced, and her affairs had no relationship to me. I was advised that I would never be contacted again. 

On XX/XX/2019 at XXXX am XXXX I was again contacted by XXXX  Bank about the account and the individual said they had " no record '' of every having contacted me regarding the matter, and that I would never be contacted again. 

I see a pattern of harassment to extract some monies from me so as to get them to leave me alone since they have been unsuccessful in collection efforts against my EX Wife and her last Known Husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
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: Account status incorrect

Complaint:
On XX/XX/29 XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
I sent a dispute Starting XX/XX/XXXX to the Bureaus saying that the info was inaccurate and reported wrong, and wanted to them to update to paid as agreed. They just keep saying its verified without saying how or who verified the information.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent a dispute Starting XX/XX/XXXX to the Bureaus saying that the info was inaccurate and reported wrong, and wanted to them to update to paid as agreed. They just keep saying its verified without saying how or who verified the information.

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 2020-05-05
Company: Experian Information Solutions 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:
Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not 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 non-monetary relief
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a  completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not 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 2018-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have our mortgage through Bank of America. We were told if we paid down principle to 78 % of the original amount that the mortgage insurance payments would automatically stop. We paid the amount in  XX/XX/2018 and the PMI never stopped. I called three times and was told it would happen automatically. I called a fourth time in XX/XX/2018 and was told I needed to apply to have the PMI cancelled, which I did then and it has since been cancelled. I was upset at being repeatedly given the wrong information and filed a complaint at my bank branch. I requested a refund of the overpayments and BOA now, a month later, says that will take months and will be subject to a HUD review since it was an FHA loan. This is frustrating since BOA repeatedly gave the wrong information and they refuse to fix the problem. I am also concerned this could a symptom of a bigger issue at BOA in regards to their ability to service mortgages correctly.

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