BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: AXOS FINANCIAL, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account managed by Axos Bank N26 card. Their Internal team froze my account, and eventually decided to close my account and send me the balance in my account of {$690.00}. I received the check on XX/XX/2020 in the amount of {$690.00}. On XXXX/XXXX/2020. I went to cash the check, so I endorsed the back of the check, but I noticed the check had gotten liquid spilled on it, so when I went to cash the check it was refused because of the damage. I threw the check away in a local trash can. I then called N26 Axos Bank to let them know I needed a new check re issued. They informed me the check was cashed on XXXX/XXXX/2020, and they also said I endorsed the back the back of the check. I advised them of what happened, as I stated above. N26 Axos Bank refuses to re issue my check. I need assistance on getting the funds sent back to me at my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: AES/PHEAA
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are over 22 accounts of derogatory information listed by XXXX XXXX XXXX on my credit report. Nearly half of these accounts are outdated by standards of FCRA. I have requested debt validation on several occasions but I have been ignored. I do not have any debt or agreement for a debt with XXXX XXXX XXXX. They are in violation FCRA/FDCPA. Their foul behavior is ruining my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from XXXX XXXX branch # XXXX, which is actually located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, but the letter was from XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX that claimed that I owe a debt to XXXX XXXX under account XXXX/XXXX. I do not have the debt they claim, since they tried to sue almost 2 years ago and was settled out of court over a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NC
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 am a victim of identity theft, the following information is reporting to my credit report is information that i have no relation too. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that i owe a debt or consented for them to run my credit report. The following information is fraudulent. XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$110.00} ) # XXXX, XXXX XXXX ( {$44000.00} ) # XXXX, XXXX XXXX ( {$180000.00} ) # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

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

Complaint:
On XX/XX/2019 at XXXX. I submitted a request to change the checking account that I use for ACH for my FHA mortgage that is being serviced by GMFS. The conformation that I received stated that the change would go in to effect on XX/XX/2019, Since I was told the change wouldn't not go through until XXXX, I made the XXXX payment manually to avoid being late on my mortgage. On XX/XX/2019 both the manual payment I made, and the ACH that wasn't suppose to begin until XXXX, posted to my checking account. I called GMFS immediately, and they informed me that there was nothing they could do, although they could see from their records why the double payment occurred. I was told that a supervisor would contact me by end of the work day. After not receiving the promised follow up call, I called them again, and again I was told that the supervisor was " busy '' and to prevent the issue from going any further they would cancel any future ACH withdrawals for my account, and make my next due date XX/XX/2019. This would have corrected the issue, so I took no further action. Today XX/XX/2019 another charge was taken from my checking account, despite being told that all transactions of this sort would be canceled. I again immediately called GMFS, and they told me that there was no record of the ACH being canceled, and there was nothing further they could do for me, other than cancel future ACH transfers from being taken out. So, on two separate occasions GMFS erroneously withdrew a payment from my account. Both times I was told there was little to nothing they could do. Their errors are putting unnecessary strain on me financially. Its sad that a company that a company that we are suppose to trust with servicing our mortgage cant take proper action to rectify this situation that was only caused by their own incompetence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I moved from XXXX to XXXX XXXX I put my XXXX service on hold until the move was complete and we had a new address for service. When I called and setup the appointment the XXXX service guy thought it was new service and opened up another account in my name. I told him that no it was an already existing account, he said he would take care of it. Three months later I'm turned into collections for the other account and my current account is always paid on time, and I made sure I set back the old equipment from the other account. I've tried several times to call and explain and each time I'm told it was XXXX mistake and they would fix it. I'm not paying for something that's not my fault. I would like this off my credit ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Nevada Credico, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit report and I noticed there was an account on there that was not on there in XX/XX/2019 when I pulled it. XXXX XXXX- I gave them a call and its an apartment complex I have never lived in. I been at my current address for the past 3 years. When I called the receptionist she said it could be an error in the name and could be a common name. My SSN & DOB didn't even match what she had on file. They asked me to dispute the account and they would delete it. its still on my CR

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 2017-11-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are only 3 years away from paying off the mortgage on our lifelong home. We 've had financial difficulties due to XXXX XXXX and medical problems, leading to unemployment for one of the two homeowners. We fell behind with mortgage payments and contacted Wells Fargo to ask about options for keeping our home. They only offered one option, which was to apply for a loan modification. I doubted we would be approved, but we submitted an application. Not only did they turn us down, but they also created an escrow account without our consent and increased our monthly payment by {$800.00}. Since missing a payment last spring, we had faithfully made a payment every four weeks from XX/XX/XXXX through XX/XX/XXXX. Starting in XX/XX/XXXX, the payment website will only accept the new amount, which we are unable to pay. I called Wells Fargo today ( XXXX XXXX, 2017 ) and requested a reasonable repayment plan for the two missed payments. I was told that they can not do this because our hardship still exists. Yet they are trying to force us to come up with an extra {$800.00} a month. This does not make sense! We want to keep our home and make continuous progress in bringing our mortgage up to date. We need Wells Fargo to accept a smaller monthly payment increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen from my car years ago and multiple credit accounts were opened in my name. I attempted to have this debt removed by disputing, but received no help from the company. I am receiving harassing phone calls for debt that isn't mine. 

I experienced a traumatic experienced being a victim of vandalism and identity theft. I would appreciate the company removing the fraudulent accounts being reported to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a HELOC with Chase since XX/XX/2006. I have paid in time every single month. I borrowed {$50000.00}. Today I owe {$44000.00}. 
I noticed today while reviewing the Details of my loan that they are CHARGING {$550.00} in INTEREST monthly while my payment on the loan is {$420.00}!!!!!! How can this be legal??? How can it ever get paid off?? I have perfect credit, my fico is an XXXX, and I pay all my bills on time. This is NOT a loan that me or ANY consumer should receive. This must be unlawful and illegal. There is no way to repay. This is not compliant. I need a proper loan agreement that is reasonable. 
Chase needs to correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: National Credit Systems,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:
I had utilities thru my apartment that were supposed to be closed and charged to the new tenant when i moved out. I paid the final bill and the leasing office assured me that nothing else was owed and that they would transfer it to the next tenant. This obviously didn't happen but no one can tell me what the collection is for. I've called the utility company and they say nothing is owed and the collection company won't send me verification of the debt like i've asked. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CORELOGIC INC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Companies pulling requires on my credit lower my score

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 2018-05-22
Company: Capital Management Services, LP
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have sent a letter to Capital Management Services LP to not contact me in any form. They are not allowed to call me on any phone as they have contacted me at my place of employment multiple times. Today they called me from XXXX. They are not allowed to contact me at any number and I already filed a complaint this year.

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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Unauthorized inquiries applied to my credit file. I contacted Transunion 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Transunion liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Transunion continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Transunion which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Transunion to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Transunion ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Transunion has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Transunion. 

Thanks, 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 2021-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern im am XXXX XXXX my social security number is XXXX XXXX XXXX born XXXX XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report theirs a XXXX account and student loans that show negitive and change off i told XXXX credit reporting agencies that their fraudulent accounts. Can you please have XXXX   remove these accounts from my credit report. Thanks

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 2019-03-13
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection for medical services that I never used. The medical account is being reported under derogatory status. I have never visited this facility for any matters. I have no knowledge to how this debt appeared on my credit reports.

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: KEYCORP
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I payed off an Equity Line of Credit with Key Bank in XXXX of XXXX. I filled out paperwork to close this account. In XXXX of XXXX I noticed the account was still open - I filled out paperwork again to close the account. In XXXX of XXXX, I was checking my credit report and noticed this account was still showing open. I went into a Key Bank branch and filled out paperwork a third time to close the account. I filled a dispute with XXXX   credit bureau as the account was still showing as open in XXXX of XXXX, and I had been told the account was officially closed. The dispute came back as correct and the account remains as showing open!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22
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:
The collection agency is reporting the collection account XXXX on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything

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 2020-05-01
Company: Direct Capital
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called from XXXX. Announced himself as XXXX XXXX, an officer of Direct Capital. Says hes calling about a legal claim his office will soon file against my social security number. He wants to speak with either me or my counsel, in order to obtain a statement of intent for repayment. Says, this is a time sensitive matter ; in order for this to not go into a legal setting, they need to hear from me by close of business tomorrow. If they dont hear from me, a decision will be rendered and all rights forfeited. Gave an office number of XXXX. Called back repeatedly after being asked to discontinue calling, became profane and threatened to sue me and that " he would not go away ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, my wife parked her car in a parking lot and for whatever reason, ( I think she forgot to have her parking tag displayed ), she received a parking ticket. In XX/XX/XXXX, she paid the fee. 
The car is registered in her name with the State of Colorado and always has been, back to XX/XX/XXXX. 
Now, in XX/XX/XXXX, firm " Linebarger Goggan Blair & Sampson, LLP '' ( 'the firm ' ) have started mailing me, husband, for collection of the fees that were already paid by wife. 
1. Based on the fact that we already paid the fees, we don't intend to pay them again. 
2. Based on the sketchy fact that 'the firm ' has contact me, husband, instead of the owner of the car, wife, indicates to me that this is a questionable collection process as well as a questionable fee. 
3. Reputation wise, a search of 'the firm ' online reveals that they're collection processes are questionable, un-ethical, and not based on accurate un-paid fees. 
4. Do I really believe that the parking lot wouldn't have contacted us in XX/XX/XXXX, or XX/XX/XXXX, or XX/XX/XXXX???? No. This seems like a law firm got ahold of old data and they're looking for suckers who will be intimidated and send money to this company. 
5. Given how sketchy this collection firm is, there's no reason why I'd ever let them near my bank account information via me sending them a check, or me paying via a credit card at their website. They're an identity theft waiting to happen. 
6. The paperwork sent to me has no mention of the CFPB as a notification of customer rights or recourse for action. If they want to avoid the CFPB, they're probably not reputable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation