BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} 11 XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX   XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00}

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 2021-06-10
Company: Bread Financial Holdings, Inc.
State: SC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX COUNT XX/XX/XXXX {$150.00} XXXX XXXX XXXX DE XX/XX/XXXX {$0.00}

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 2019-06-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed a complaint with the Federal Reserve over a month ago regarding Wells Fargo fraudulently renewing a Time Account without my permission and then not allowing me to close it without penalty AND fraudulently locking me into a credit card scam with enormous interest rate without my knowledge or permission. The Federal Reserve submitted my complaint to you, CFPB Complaint # XXXX. I received a letter from Wells stating they would release over {$6000.00} from the XXXX Account without penalty. But they did not release the funds. SUDDENLY, they closed account and the money from the account over {$6000.00} is missing. No one at Wells has taken responsibility as to WHERE the funds are. I wrote you, CFPB again regarding this issue, and now Wells is claiming to need over 60 days to find my funds. This is OUTRAGEOUS. I am being bamboozled for closing my account with this bank for fraudulent practices. 
I have contacted the Federal Reserves again and both my Senators. Wells remove my funds and then claim they don't know where they are. I need this issue to be resolved in 7 -14 business days. Allowing them 60 days to find ways to retain my funds is ridiculous.

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 2019-06-20
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I spoke to a representative at Nelnet regarding a credit reporting issue, she told me that since my deferment was approved and backdated to XXXX of XXXX that they would be able to remove late payments from my credit report which would take 6-8 days and that by XX/XX/XXXX the problem should be resolved. However, on XX/XX/XXXX I contacted Nelnet and was then told that the late payments could not be removed and that I was given inaccurate information! Later on into the day I called to request documentation stating the day that my deferment was approved and the date that the deferment was back dated to and they proceeded to tell me that my deferment was never backdated but then said it was back dated to prevent me from having to pay anything during those months. I have been told something different every time I speak to someone employed by Nelnet and feel that Im not being told the truth by anyone! I feel that it is my right to have documentation stating my deferment was in fact back dated however they refuse to provide such documentation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Claims is for a total of {$420.00} from two different merchants. 

I stated to bank that I had people confirming the package was not received and they did not care and stated that it could not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never signed an agreement with this creditor ..This is not the original creditor. I was never 30 days late. This Account is Duplicate US Code 1962e FALSE AND MISLEADING REPRESENTATIONS US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
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:
Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report.I only want you to respond via CFPB. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: FIRST PORTFOLIO SERVICING INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I spoke with Peaks on the phone and they stated they didn't need to mail me any documentation. they informed me that all they are required to do by law is provide the credit bureau the default. I wasn't provided any information regarding the default until I spoke with XXXX   and they saw this information online. It is only shown on my XXXX but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 received a call from XXXX XXXX while I was at work on my work phone. He was looking for a XXXX XXXX, possibly my sister who lives in another town. I politely told him he was violating the law by calling me at work to track down my sister who I have not lived with for 30+ years. he then used profanity cussed and slammed the phone in my ear. i called the company back to speak to a supervisor, was put on hold and then disconnected. I personally do not have any debts. Earlier in the day he called my son as well, who is XXXX yrs old and a XXXX  in college. 

The company is : XXXX ( XXXX XXXX XXXX ) in XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( Office ) XXXX XXXX ( XXXX XXXX ) XXXX This was very abusive and both my son and I, completely unrelated to their matter, were subjected to abusive language. 

I asked XXXX for the address of his company and he told me not to get in his way and that I should learn the laws as he was not violating any and hung up. I was able to find the above on the internet which matched his number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, XXXX XXXX XXXX, transferred our loan to PHH Mortgage company. We have been recently denied a modification and as a result are facing foreclosure. The problem is PHH mortgage is not able to give us an accurate amount owed so we can resolve our arrears! 
We received a statement stating the arrears are XXXX. Then I spoke to XXXX today from PHH ( XX/XX/19 ) stating the arrears are XXXX. My husband spoke to someone yesterday who stated the arrears are XXXX! 
We have made payments we have receipts for that have not been applied to the delinquency, because according to XXXX, the loan was transferred and payments have not been updated! The loan was transferred almost a year ago! 
We have asked the company 's OMBUDSMAN to intervene several months ago and do a payment search and he has not given us information either. 
We are requesting your help. We are facing foreclosure and would like to know the amount we owe so we can try and resolve this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
During the last XXXX  days, I created XXXX separate CFPB complaints against BB & T : XXXX XXXX XXXX BB & T responded on XX/XX/XXXX that : Ms. XXXX, the XXXX ACH deposits in the amount of {$500.00} each received in the name of XXXX XXXX were reversed on XX/XX/XXXX and sent back to the originating financial institution. A check in the amount of {$50.00} ( the remaining balance ) will be issued and mailed to the address on file to close the account. Please allow 7-10 business days to receive the check. 

XXXX X {$500.00} has been sent to the source which initiated those direct deposits. But even after more than 10 business days - I haven't received {$50.00} ( the remaining balance ) One need to understand that my money was hold on ransom by this bank for almost 3 months without any interest and further I am still not having all my money here.

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 2020-04-30
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my credit report, which I acquired from XXXX, Equifax, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: IL
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 have two item on my Equifax credit report both with XXXX XXXX XXXX one in the amount of {$500.00} and another in the amount of {$700.00} i can not identify with, these two item and tried with no success to request any sign documents or any original contracts that was signed to prove accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Home depot has a 24 month no interest promotion in XX/XX/XXXX for purchases {$2000.00} and over. THey have been charging me interest on this promotion. I have called the credit department, I have sent messages through there website and have gotten no corrections or resolutions. They offered a 24 month no interest promotion and are not honoring it. I do not owe the interest charges they have put on my account since XX/XX/XXXX. THe debt date on their statement is false and they are collecting money not owed to them. The expiration for the promotion should be XX/XX/XXXX. They are falsely promoting no interest programs and not honoring the conditions of there contract and now charging interest on the full amount.

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 2020-04-29
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in contact with Barclays Bank of Delaware over a year ago in regard to this fraudulent account. 

The fact that XXXX XXXX has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. 

Im a government employee, and my job is contingent upon my credit background

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 2019-06-20
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to The Money Source, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid The Money Source {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, XXXX XXXX  sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to The Money Source. I contacted all three companies involved : XXXX, The Money Source, and XXXX XXXX. XXXX and The Money Source were telling me they owned the loan. However, XXXX XXXX  assured me The Money Source was wrong and that XXXX owned my loan. When I asked XXXX XXXX why my payments to The Money Source were not being reflected by XXXX, they did not know the answer. As of today, The Money Source and XXXX are saying I owe them my normal monthly payment on XX/XX/2019. 

In short, XXXX XXXX  has created an issue where two different lenders/loan servicers believe that I owe them for the same loan. I have tried to resolve this issue with all three companies but they all tell me they will investigate or look into the issue at hand. 

I am filing a complaint to ( 1 ) get assistance resolving this issue, ( 2 ) to inform others of the issue that I had, and ( 3 ) to help the industry improve and remove bad players who don't do things as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon, I am filing a complaint on Sequium Asset Solution and XXXX XXXX. 
The reason I am filing this compliant because both companies misrepresent inaccurate and time information. 

I had a service account with XXXX, I told them I needed to cancel my services and they said they would at no charge. One month later they sent me a bill stating the I owed them I tried disputing and ending paying it in full. It was paid directly to XXXX and not Sequium Asset. Know I have Sequium Asset Solutions on my credit profile for no reason. 

I was not given any warning or information in writing from Debt Collection Company or XXXX. This information was falsely placed on my XXXX profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On the XX/XX/2019, Ocwen mortgage provided a mortgage reinstatement quote. At the same time, I received a notification of mortgage loan service to XXXX. Ocwen and XXXX are one in the same company. I contacted XXXX to get a reinstatement notice but told it would take 5 business days. Yet the Ocwen system could immediately provide me with a quote. To prevent additional fees being charged, I bankwired {$18000.00} to Ocwen from XXXX XXXX XXXX. As of this date, I've deal with Offshore call centers who are absolutely clueless and are showing nothing. One would think that a bankwire and the loan status, would get priority when processing a bank wire. I've bank wired funds in the past to Ocwen and they were applied immediately. I'm tired of the run around and the clueless call center employees. I want the funds applied as of the XX/XX/2019 when they were received I've attempted to contact the CEO or the executive response unit. Nothing exists as I suspect they would be inundated with complaints like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: DISCOVER BANK
State: MI
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 customer service

Complaint:
I hired a home inspector to inspect a home I was considering purchasing. The pile of sand around a heat vent wasn't a tip-off there was an issue with the heat duct. When we asked the inspector about it, he said that duct was fine. Upon moving in, we opened the vent and found a file of dirt. There is a hole deep in the vent I can not access. It will cost quite a bit of money to fix, according to an air duct repair company. 

I filed a billing dispute with my credit card company, Discover Financial Services. Discover closed the case in favor of the inspector. 

I sent more information to Discover for them to re-open the case. I informed Discover that I found out the inspector false advertised that he is a member of the XXXX XXXX XXXX XXXX XXXX. XXXX inspectors have to go through training to be certified. I also informed Discover that the inspector claims to have a money-back satisfaction guarantee. That right there is enough to rule in my favor. 

Discover sent me a letter stating they considered the information I provided and that is wasn't new information. That's a lie. I didn't provide the information and Discover didn't already consider it. 

Discover needs to remove the charges from my card.

Company response to consumer: Closed with explanation