BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reporting the illegal practice and false collection practices of XXXX XXXX. They have reported and refuse to remove two collections off my credit report. One was for {$93.00} reported XX/XX/XXXX and the other was for {$45.00} reported XX/XX/XXXX. Payment was made to the original medical facility, XXXX XXXX XXXX in full. XXXX, the billing manager for XXXX XXXX XXXX have sent many emails and phone calls to XXXX to stop the collections and false reporting and to have them cease and send back all collections under my name back to them. Till this day, those collections are still on my credit reports. I am still getting collection statements from them as recent as today XX/XX/XXXX with fraudulent amounts and illegal harassment. I do not owe any amount to XXXX and XXXX XXXX XXXX ( the original creditor ) have acknowledged this. I respectively ask that these erroneous charges be removed from my credit report and ask that they cease sending me fraudulent statements trying to collect on amount that i do not owe. I need this done ASAP, as XXXX XXXX is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
When I bought the house XXXX  there was a bathroom needed to be completed, 6 months later work was finished. I was told a inspector  would look at it to make sure. No one came. I called several times, finely thy said take pictures send them I did, said thy revived them, thy will send money. The amount with held from escrow was {$600.00} dollars. I have called 2 to 3 times every year, sense. I should be owed interest and some money for inconvenience. I could have used that money. Last time I called I think about 4 months ago, meany calls before that. My understanding was complete work you will get your money back, why did that not happen, I reminded them every yr for 11 years. Whats going on. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This relates to complaint XXXX. After I filed the complaint, I got a letter from XXXX XXXX indicating that the account " was charged off due to delinquency onXX/XX/XXXX. '' The Rodenburg Law Firm falsely represented in court pleadings that it was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX  has already charged off the debt.

The XXXX XXXX  Letter went on to say that the " XXXX XXXX   Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX XXXX ( XXXX ). '' And admitted that " XXXX XXXX  no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself.

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, XXXX XXXX XXXX XXXX ) has ALREADY written off the debt for tax purposes?

At any rate, XXXX XXXX of the Rodenburg Law Firm ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX, according to itsXX/XX/XXXXletter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX  and the Rodenburg Law Firm. When I left a message with the Rodenburg Law Firm about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the Rodenburg Law Firm is committing fraud on the court and making false representations in pleadings.

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I do not have ANY accounts with Wells Fargo. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously they have not done this since we still get calls. Every time we get a call from XXXX it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Wells Fargo and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Wells Fargos continued harassment activities. Tonight, I spoke with a supervisor, XXXX XXXX, that assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Wells Fargo. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.

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 2019-04-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a customer of XXXX ( a division of PayPal ), XXXX user ID @ XXXX and email XXXX and have received multiple payments via XXXX successfully over the last year from people I know outside of XXXX. 

Recently I received payments on XXXX on XX/XX/2019 ( {$700.00} from one person a close friend and payments totalling {$7000.00} from a second person I know but not a close friend ) I was misleadingly informed my XXXX by in-app notifications and by email pronouncements that these payments were cleared, that I had been paid and money was in my XXXX account. I therefore went ahead and withdrew the said amounts to my bank account. I was further provided notifications that the transfer out of my money which was in my XXXX account, to my bank account was in progress. ( The payment was to share costs of a hospitality package for an expensive music festival that was in progress over the following few days ). 

4 days later on XX/XX/XXXX I was sent a notice by XXXX that the account was " frozen and transactions reversed ''. No details WHATSOEVER were provided and no one was reachable by phone for a further 24 hrs till XX/XX/XXXX. After multiple emails and phone calls it took a further 4 days till XX/XX/XXXX till before I was even informed of even the most basic details ... which transactions were reversed. This was after many rounds of phone calls and emails, including threatening to go to my US Senator and to the CFPB!! I have transcripts of all email conversations .... just to identify how much of my money was being held..and which transaction/s were affected! 

Finally a week after the original transactions I was told that the {$700.00} payment was being held for 180 days and the payments totaling {$7000.00} reversed to the originator. This was almost a week after XXXX informed me I had been paid misleadingly. The payer of the {$7000.00} is unreachable to pay again and now I am left with a {$7000.00} loss due to XXXX 's totally misleading emails and in app displays on payment, money availability and bank withdrawals. ( Furthermore, the {$700.00} payment is being held for $ 180 days. That is a non issue as long as at 180 days it is released as promised. ). 

Please investigate XXXX 's business practices and customer service availability and misleading notifications about being paid and funds availability which has led me to losing {$7000.00}. This is a HUGE loss for me as an individual relying on XXXX. 

Transaction receipts and notifications are provide and have copies of all email exchanges too demosntrating XXXX 's negligent and unsafe business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 an international wire transaction for XXXX usd dollars was initiated using wells Fargo online baking they charged a XXXX dollar fee. Today after almost a month the money haven't reach the receiver neither returned to my account. I had call several time and they just transfer me from one department to other without solving my issue.

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 2021-02-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an item on my credit report XXXXXXXX XXXX  XXXX XXXX that is incorrect and does not belong to me please provide written proof that I authorized this account to be on my credit report in fact I never provided any personal information to this company and do not know who the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX are reporting incorrectly on the XXXX  - account number ****XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2019-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America charged me {$39.00} for late payment last month BUT I paid on time in person at its branch in XXXX, New Jersey! Seems Bank of America is trying to squeeze me for a late fee not deserved by it! Dishonest or incompetent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a used car and it financed threw XXXX XXXX XXXX  XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to XXXX consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XXXX it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to ncb mgnment.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
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:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 2019-04-26
Company: WELLS FARGO & COMPANY
State: RI
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:
Wells Fargo & Company has reported late mortgage payments to XXXX and has not reported any information to XXXX and XXXX. By reporting incorrect information or no information at all my credit is suffering and making it impossible to get a new mortgage with another lender. I submitted a claim with Wells Fargo & Company 14 days ago and they have spent this time trying to prove me wrong rather then correct the credit reports but reporting the correct 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 2018-05-05
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is invalid. Ive contacted the original creditor XXXX XXXX XXXX XXXX. In regards to the validity of this debt and still have not received a response. Right now Im seeking legal actions against XXXX XXXX, for billing fraud. And have reported them to both XXXX and The insurance fraud bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Kashia Services
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for and received a XXXX dollar loan in XX/XX/2017. To date, I have paid back XXXX and the company is claiming I still owe 13 weekly payments of XXXX, or XXXX dollars in principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
On XX/XX/XXXX I applied for an American Express Business Gold Rewards card under through a mailer that I received that offered XXXX points after spending {$5000.00}. By XX/XX/XXXX I had  spent {$5800.00}. Upon looking at the Membership Rewards that I was going to be receiving, it was greater than XXXX points that I would receive. Unfortunately, I accidentally made 3 payments to my Credit Card through the wrong bank account, which caused those payments to be returned. ( These payments were in advance, my statement had not yet closed, and my previous statement was paid in full already ). American Express put a hold on my account and shortly after closed my account. I first made contact to get my account reinstated trying to explain what had happened, with no prevail. I then was in contact with American Express Membership Reward support between XX/XX/XXXX and XX/XX/XXXX, in concern for the Membership Rewards that I was promised to receive. One American Express representative assured me that if I paid off my statement I would receive the points I earned after my statement closes, and I would have to call the American Express number in order to redeem those points. After calling today, XX/XX/XXXX, I was now informed that my points are forfeit because my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Date XXXX Your Name : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CA Zip Code : XXXX My name is XXXX XXXX and my ss # XXXX and my husband name is XXXX XXXX XXXX and his ss # XXXX. 


I am writing to dispute the following information in my and my husband file. late payments to Guild mortgage Account XXXX XXXX for my mortgage payment.I am requesting that this item be deleted. I am buying a car and when they pull my credit it shows I have late payment on my credit, so they are giving us high interest. The only reason the payment was late was because they charged me to insure my payment but I have insurese from a different company. When I called the guild mortgage they took so long to remove it. I have to call so many times almost every week. Due to covid -19 i lost hours from work. My payment was {$370.00}. But they sent me XXXX something. I don't have that much money to pay the payment.i ask them i can just pay the payment only which is {$370.00} but they say i have to pay in full i dont have that much money to pay full. they took so long to remove it. When they remove in back in XXXX I pay full payment. 

I have a good credit history with all my other accounts. 


I am asking you to remove it from .I sent this letter this matter is resolved within the required 30-day window. 


Sincerely XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE 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:
XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Balance updated : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Payment status : Credit card lost or stolen Account status : Closed Balance updated : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Once again I am disputing this account. I have called the company and they told me I have to contact XXXX. I have written to XXXX I have called XXXX I have even disputed on this site as well for this. The addresses that this account are attached too are not mine. Please remove items! 

This information is incorrect and is still reporting and showing. I spoke with XXXX with the fraud department on XXXX.He mentioned there is no fraud alert and it is fully open. 

I have submitting a dispute via phone and I am waiting on my results. Please assist.

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 2018-02-08
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:
Several Disputes previously sent over the past few months for collections and inquiries that are negatively impacting my credit report and no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
my mother sent me funds from her account to my account via XXXX through Chase bank. Both her and I both bank with Chase. Our accounts are also linked together. She sent me XXXX via XXXX and Chase stopped the fund transaction and also blocked my online access to all my accounts. I was never notified of the blocked accounts until I went online with Chase to pay my bills on line. I call the number that Chase said to call to unblock my account and 2 hours later on the phone they would not unblock my accounts. they put me on hold to check my account for 20 min then hung up, I had to call back and start all over trying to fix the problem with my account. My mother accounts and mine are all linked together so they should have seen this. When I went into the Chase branch the worker called the Chase number and they unblocked my account but for 2 days I did not have access to my accounts online.Chase dose not care about there customer to send a fraud alert to inform the customer that there is a problem with there account. Just leave them in the dark even thought there are many verification Chase use to check a persons identification.

Company response to consumer: Closed with explanation