BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NC
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 should not be reporting to Experian a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Since this account has no outstanding balance there is nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove 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 2018-02-07
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disconnect my phone line from XXXX company last year and they send me last bill on XX/XX/2017 in the amount of XXXX and pay the full amount. when I call them I clearly say disconnect all the line I have in my account and from that point on I did not use any line and till this day on their web site USAGE OF THOSE LINE SAYS XXXX. And now they send me a bill of XXXX for usage on XX/XX/XXXX plus XXXX dollar on XX/XX/XXXX for the line i never used since the first initial contact with them to disconnect all the line when I ask two line is still active BUT as I say I call them to disconnect all of them and doesn't make sense to cancel 3 line and live the other two. Now every time I call they say we will give you credit for those charges but not only they never did that but they send the balance to a collection agency and I can take it any longer. The same exact word I got last month from their agent we will cancel the service and credit you back the amount and I got it Monday. when I ask their supervisor or any body responsible for this kind of mess they told me they are in back of office and their is no way they connect me to solve the problem. Now the bill jump to XXXX dollar. Now they say still those two line are not cancelled why because the billing cycle is till XX/XX/XXXX. I don't have any other way to communicate with them to solve the problem except writing for you. I do appreciate the service you do and expect hopefully something good from you. 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 2020-06-10
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 a letter was written from Rent Recovery Solutions, stating that a debt was owed from myself to XXXX at XXXX XXXX, in the amount of {$2100.00}. I do not owe this debt. I wrote them a letter stating for them to no longer call me, and that I will only communicate with XXXX directly and only through written documents. You will see a copy of the letter below. I sent it through certified may with a tracking number ( XXXX ) through USPS. They received the letter on XX/XX/2020 at XXXX. On XX/XX/2020, I received a phone call from this company. I did not answer the phone but they left a voicemail, stating that they are in attempt to collect a debt and to return their call. 

Below is the letter that was sent with personal information removed : " To Whom It May Concern : On XX/XX/2020, your company sent me a letter regarding an alleged owed debt. Be it known that I hereby dispute the validity of said debt. There are no monies owed to the original creditor : XXXX at XXXX. 

In accordance with the Federal Fair Credit Practices Act, 15 U.S. Code 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work with the original creditor, XXXX at XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by Rent Recovery Solutions, LLC or any other collection agency with regards to this matter. 

In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 

You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via US Postal Service mail that you will be terminating all attempts to collect this alleged debt. 

Thank you for your cooperation in this matter. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The XX/XX/XXXX statement showed that I paid cost and fees of {$2300.00}. My fear is this cost and fees appear from the unknown. I don't know what and why Im paying those fees and cost. I've been making payments monthly and don't owe back mortgage payments. I've consistently added extra to my monthly mortgage amount but Carrington Mortgage Services have not been applying the extra amount on my principal as requested. According to my statements Carrington Mortgage Services have funneled my extra payments to a Default Cost category and fees totaling {$2300.00}. I had a mortgage modification on XXXX of XXXX. I have a FHA loan and the rate is fixed. There should not be any hidden fees. The company representative of Carrington Mortgage states the cost and fees stems from the modification. I really am confused. All the fees from the modification was resolved or absorbed into the load. That explanation is bogus to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CAPITAL ONE 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:
Capital One restricted my account because they said my ssn is invalid. I had already verified my ssn with them once before. They refuse to let me withdraw my money out of the account. I have XXXX in the account I asked them to close the account because I didn't want to deal with the extra hassle. They refuse to send me the money in a timely form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: KY
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:
My account with XXXX XXXX dba XXXX was closed in XX/XX/2021, however, the company has repeatedly refused to update my credit reports to reflect the account as closed. Their failure to do this has brought down my credit score by raising my credit utilization amount. They have been contacted by both himself and experian about this and refuse to update my credit report to reflect closure of the account.

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 2021-11-02
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" CMI '' and " XXXX XXXX XXXX '' and " Crdt Management '', probably CMI Group, has been calling me every day, at random hours including before XXXX XXXX, utilizing a different phone number pretty much every time, making blocking their calls impossible. Their constant harassment has nearly caused me to lose my job, and I have gotten written up at work because my phone constantly ringing is a distraction to customers and coworkers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Intentional deception by Capital One, no changes even though numerous CFPB complaints so far. Hoping more complaints will get them to change their tactics. First time a company has ever been unwilling to elevate a problem I reported, so first time Im filing a complaint against anyone. 

I opened credit card using a 15-month 0 % interest promotion. 
XX/XX/XXXX : I received email of account approval, 0.0 % intro APR on purchases for 15 months, card to be received in XXXX days. 
XX/XX/XXXX : Would be 15-months from that earliest date. ( To be safe I did not assume later date of card activation or first purchase ). NO DATES OR EXPLANATION of the promo period were specified anywhere in the email. 
XX/XX/XXXX : Date of first statement, statement period was XX/XX/XXXX ( matched my expectation above ) to XX/XX/XXXX. Interest Charge Calculation box indicated 0 % on purchases and NO PROMOTIONAL PERIOD OR DATE was indicated or described anywhere on this or any statements. 
XX/XX/XXXX : Statement still showed 0 % rate for Purchases. Standard notations on statement indicated interest charges would be avoided if statement balance was paid in full by the due date of XX/XX/XXXX. 
XX/XX/XXXX : To be safe I paid the FULL STATEMENT balance of {$7000.00} BEFORE statement due date ( XX/XX/XXXX ), and before 15-months from acct open date ( XX/XX/XXXX ). 
XX/XX/XXXX : Statement had Interest Charge of {$55.00}. I confirmed my payment showed received and credited XX/XX/XXXX. The XXXX XXXX Calculation box showed purchases were now subject to 20.49 %. 

I called customer service, had to escalate to a supervisor. At first they were puzzled when I pointed out the payment of the full statement balance BEFORE the statement due date and before 15 months from account open date. After long hold they came back and said it was 15-months from the Promotion OFFER date which would have been on the original offer which was online when I applied for the account, and was in fact XX/XX/XXXX. They admitted no documentation was available to me to back that up in my online documents, and even as a supervisor they could not provide or even pull up for their use a copy of any such document. My only option was to FAX or MAIL a request for a copy of the letter, they didnt even allow use of secure online message center which can be used to dispute charges and is how they respond to most inquiries. 

Requesting refund of {$55.00} interest assessed and any additional interest on my next statement as I will pay that statement balance in full ( AutoPay ) before the due date as well. 

Please work with this company to publish information on their statements the way other companies do ( I can confirm XXXX and XXXX put this on every statement ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26
Company: Credit Plus Inc
State: KY
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 want to dispute a hard inquiry i never authorized. 

From : Institution Information Credit Plus  XXXX, MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: WELLS FARGO & COMPANY
State: AR
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 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 2017-09-15
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
Midland Funding has repeatedly sent letter to me to collect on something that I have questioned the integrity of. When I sent the second letter requesting proof of anything that I signed stating I owe money to said company they issued a Warrant in Debt which I am attending and defending myself on. Again I have sent a letter requesting all of this information along with information proving to me that I entered into an agreement with them, asking for proof of said original creditor has not been paid in full etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan with Chrysler Capital shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: JPMORGAN CHASE & CO.
State: AR
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 2020-03-30
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Follow up. I am thankful for a response, however the collection agency is avoiding the fact that they're in violation for continuous reporting of an account that they have no documentation to support. 

XXXX, I appreciate your response - however, I have already filled out the XXXX XXXX fraud packet. As stated, I've dealt with them personally. Or attempted to rather, they stated they're no longer liable or responsible, and for me to contact the collection agency. I already completed that packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: SYNCHRONY FINANCIAL
State: PA
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:
My complaint is against Synchrony Bank. I've had this Paypal Credit for over a year and which they never reported and in XXXX of XXXX they decided to start reporting to the Credit Bureau 's and reported that I missed XXXX payments. I have my bank statements as proof that I did submit payments and want this updated since it completely dropped my score and since has been completely paid off. If they are not willing to update accordingly I will go further to contact a Credit Attorney and file a lawsuit because of how bad this one account has messed up my credit. In the pictures below I submitted will show XX/XX/XXXX I made a payment of {$40.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX a payment of {$30.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX payment of {$50.00} and XX/XX/XXXX payment of {$30.00}. Then XX/XX/XXXX I completely paid this off!! They have not reported a handful of payments nor have they reported that it's been paid off.

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 2018-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My company was hired to facilitate a short sale transaction on behalf of the client after the previous company hired was unable to do so.  On XX/XX/XXXX, I faxed in the Bank of America (BOA) Authorization Form to four different fax numbers within BOA to ensure that it was placed on the file.  On XX/XX/XXXX, I was told that the Authorization was on file but they still needed to Authorize me through the system and to call back the following week.  Wanting to give ample time for the authorization to be placed on file, I called in on XX/XX/XXXX.  I had received word that the client had been receiving calls from BOA and they expected answers.  When I called into the short sale department, a gentleman told me that I needed to speak with Customer Service about the Authorization.  After the transfer, the lady at Customer Service was able to locate my Authorization and said that I needed to inform short sale to "read the customer service notes about [my] authorization."  I was transferred again to short sale and spoke with XXXX XXXX.  XXXX. XXXX refused to look into the notes and repeatedly told me that he was not able to speak with me as I was "not authorized."  I explained to him what happened and that customer service gave specific directions on how to bypass this issue.  He again refused.  When I asked to speak with a supervisor, he put me on hold only to come back and say that the supervisor refused to speak with me as well since I am, once again, "not authorized."  I demanded to speak with any supervisor in any department and he once again refused to allow me to do so.  When I asked to be transferred to customer service again, he instead stayed on the line with the rep from customer service.  She finally agreed to search for my authorization, even though there are notes about it, and confirmed with him that we have a short sale authorization on file for my company.  She told me that the only thing she can do is send me to short sale.  XXXX said that he is short sale and he will not speak with me and neither will a supervisor.  Even though, he had confirmation that my authorization was on file, he still refused to speak with me or let a supervisor know that my authorization is on file so that they could speak with me.I let him know that we have an offer on the property, the property is in foreclosure, we have an elderly client, and that I am trying to help BOA recover some of their losses by working on the short sale with them.  He refused to listen or care and simply told me that he cannot speak with 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 2020-01-23
Company: Guglielmo and Associates
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently being sue by XXXX XXXX  for a web bank purchased from XXXX. They and the presiding XXXX in the case believe that the XXXX permanent injunction from the US district court does not apply to them. Even though the amount they are suing for is more than the amount I borrowed. Any help in this matter would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: FL
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:
The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.

Company response to consumer: Closed with explanation