BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX  in a truck accident. I XXXX  XXXX  for a living. I really need these lates removed I dont understand. Please godbless you and your family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX  - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}

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 2018-06-11
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXXXX/XX/XXXXVoluntary Repossession Sold & Charge off in XX/XX/XXXX. The Amount keep going up starting at XXXX  and is reporting inaccuracy now as XXXX  and steadying increasing. I need them to stop reporting inaccurate information to credit bureau and I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
NAVIENT Courtesy Loan Forbearance due to Defense to Repayment investigation is not being applied. Navient continues to insist the Department of Education has not contacted Navient for a courtesy Forbearance although I have verified with the DoE and FSAO via FSA Borrower Defense Application : XXXX Navient will not acknowledge this Borrower defense and continues to put me on extended holds ( 45+ minutes - 90 minutes ) then transfers again for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2019-01-04
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a previous complaint along with my ID and affidavit of id theft to this company, in XX/XX/2018, I asked that they do not contact me or continue to report or try to collect false debt from me, I recently began getting calls from this company again dispute them sending me a letter stating the matter was closed. Ive already submitted the ftc affidavit, police report and ID, this company is creating undue hardship on me emotionally and it will no longer be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving numerous calls from the company daily. They call from various numbers which I have asked them to stop calling. The calls are daily. I spoke to a female and she told me the calls wont stop, going as far to say I wil have some legal Issues if it isnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX applied for an auto loan. I was approved with XXXX XXXX XXXX. I have several hard inquiries for the same pull on XX/XX/XXXX for this auto loan. I would like to only have the banks in which I wasnt approved pulled from my credit hard inquiries report. I have the pulls with the following on the same date ofXX/XX/XXXX. Can this be reduced to just one pull from XXXX XXXX and XXXX XXXX if anything 1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. 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 2018-04-19
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My fathers wife had gone into the hospital on XX/XX/XXXX, very ill. When we found out that he needed our help my father was beside himself since his wife always dealt with every day expenses. My fathers wife wrote checks for the bills as well as for cash at the bank so to have cash on hand. On XX/XX/XXXX she wrote her last check for my father to cash at the bank, it was for {$500.00} for breakfast and supper he eats on a daily basis. Later in the month I had taken my Dad back to bank to see if he would sign a withdrawal slip which was completed by a bank representative for {$4000.00} and it bothered the bank but at this time my fathers wife daughter was staying with him and she had no interest in taking care of him, she had gone in once from what I was told trying to get into their account, but was unsuccessful. I was told as long as my Dad had checks he could get cash out of his account. When his wife pasted on XX/XX/XXXX they had paid for where to bury in XX/XX/XXXX but the crypt to open and close it, had to be paid first so in order to bury her we went to the bank to get the money which was {$1000.00}, this was on XX/XX/XXXX, One representative talked with us and had done a withdrawal slip and my Dad signed it, she also took and copied the Death Certificate, then came back and said that she would not allow my Dad to withdrawal the money, that he was not capable of knowing what he was doing. My Aunt is the executor of my Dads wife 's will she was with us plus she had to lend us the money to open and close the crypt so she could be bury the next day, Saturday the XX/XX/XXXX Since then we all decided to avoid the bank but my Dad wanted to get money to take care of himself and his pets, we just paid with what we had until it was more than we could take, his money is his and he should be allowed to it. On XX/XX/XXXX was the first day at the bank and when they had flagged the account and tried to say that he was not capable of what he was doing, I was on the phone with the FCC which connected me to you. I also told them that no one has gotten any report from a doctor saying that my Dad is not capable of getting money to take care of his needs, to do the bills is a whole other story, his wife did the bills. He was able to get the money but I was told just this one time, now I have POA to help him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, we contacted Seterus Inc, to request the pay off in good faith. The servicer appears to have engaged in Florida 's deceptive business practices for the following reasons : 1 ) the lender has provided a few pay off, not only reflecting different amount but most importantly inconsistent with the amount owed. The pay off provided by Seterus reflects the amount of {$15.00}, XXXX, for an allege escrow overdraft. We are without knowledge as to this fee added to the pay off amount. According to the loan modification agreement, Seterus Inc, collected the amount of {$1.00}, XXXX, in advance for any future escrow shortage. The account has been paid timely pursuant to the contract wherefore the account should not have an escrow shortage or overdraft. In addition Seterus have imposed a forced placed insurance despite being in receipt of insurance invoice we elected. Seterus choose to pay the the forced placed seeking to enrich themselves by placing a more expensive policy. During the last Hurricane, we filed a claim and the insurance company recently sent Seterus Inc the first draw in the amount of {$33000.00} from a total claim in the amount of {$120000.00}. Seterus Inc is holding the insurance proceeds and therefore we are requesting that the funds are applied to the pay off amount. On XX/XX/2018, the servicer communicated that were unable to to confirm that Mr. XXXX XXXX is deceased because the death certificate did not reflect the social security. Mr. XXXX perish outside the United States and is the reason the social would not be added. However, the death certificate does show the passport number which can be easy traced to Mr. XXXX which proves without any doubt that he is deceased. Before Mr. XXXX past, he quit claim the property to me, XXXX XXXX XXXX. XXXX also gave me authorization to speak on his behalf to Seterus Inc, even after his death. It is important to know that i also included XXXX XXXX on the deed. We have attached clear and convincing evidence that Seterus inc, has acted in bad faith in regards to the matter. Action is hereby demanded from the Consumer Financial protection Bureau.

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 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two Capital one Spark for business credit cards. I pay them in full on the day they are due, without exception. For the past 3 months, the day after my credit card is paid, they send me emails stating that I have to make at least my minimum payment. I call the number on the card and they tell me they did receive my payment in full. They can't figure out how to resolve. Meanwhile, every month I pay my account in full, they receive it on time and the next day I receive an email telling me I did not pay and I must make the minimum payment. 

I have talked several times to a lady at Capital one who claims to be with the executive branch of Capital one but she has not been helpful. She told me this was resolved, but it is not resolved. I don't know how anybody can trust this bank since they can't even keep track of receiving my payment in full. 
I just made a complaint with the Federal Reserve in XXXX. These people should not be allowed to be in the banking business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed off of XXXX from a seller for sporting even tickets in the amount of {$220.00}. The person selling the tickets was wanting to use XXXX. I use XXXX transfers through my Wells Fargo account pretty regularly and this is the first time I have ever been scammed. I then did more research and found that Wells Fargo nor XXXX would be willing to reimburse and track the funds and return them. The seller claimed to only want to use there chase pay or XXXX account attached. I had no idea this could happen.

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 2018-04-19
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a checking account with XXXX Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by XXXX XXXX. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, XXXX XXXX  added 6 overdraft fees ( NSF ) for a total of {$220.00}. 

In mid XX/XX/XXXX I receive a letter from XXXX XXXX stating the account was in negative balance. The same day XXXX received the letter I went to my local XXXX XXXX   branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted. 

I did not hear back from XXXX XXXX until early XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted XXXX XXXX again and the claim has been re-initiated, but I do not have confidence any action will be taken. 

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2019-01-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Laon Servicing deleted all my XX/XX/2016 Payment history. 
My payments were {$360.00} dollars amount. 

There is an error on what the amount owed in arrears. OCWEN is stating I have over {$23000.00} in arrears but in actually is somewhere around {$12000.00}. 

I need my XX/XX/2016 statement updated, I ha e actually statements that reflect the mortgage payments. 

Ocwen recently returned my cashiers check of XXXX. 

After discovering this error, I like to request full cooperation from the company. I emailed both the relationship manager and ocwen but no one has returned my request I plan to file bankruptcy to resolve this matter to get this mortgage situation resolve

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 2019-01-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax is reporting a chapter XXXX # bankruptcy on my credit report, I've sent them a letter from the courthouse where they say the information was stored and located at, and the court said that they don't have any record of this bankruptcy, and the court said that they did not verify this information with Equifax or any other 3rd parties, also Equifax sent me a letter saying they verified this information threw another 3rd party company called XXXX, I also have a copy of a letter from XXXX showing I've got a security Freeze on my XXXX credit report, so it's impossible for Equifax to verify this information from them, plus it's against the Law for them to report information from 3rd parties, unless they have singed documents with my signature on it, by law they must delete this item.The other 2 credit Bureaus noticed the mistake, and removed this item, only Equifax refuse to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The signature loan I owed was charged off and sold to The best Service Company. After receiving letter of debt from this debt company, I called them to make a settlement. They stated they were representing the original lender to collect the funds and the original lender does not except settlements. I then contacted the original lender to verify if they were being represented by The Best Service Company, in which they denied that information, stating the debt I owed was charged off, and they have nothing to do with the debt at this point. They also mentioned the best Service Company has been known to except settlement offers.I relayed that information to The Best Service Company, but they continued to lie about being the 3rd party representative for the original lender, stating the original lender being represented does not except settlement offers.

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 2018-04-19
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report, it shows my XXXX XXXX Account as a " Charge Off '' which significantly impacts credit report, and ability to get a new car. 

I have paid on time, everytime on this account. 

It even reflects that on the report, but the " Charge Off '' on the report results in automatic denial, and has put me in a difficult situation. 

Ally refuses to change this, through direct contact or credit report disputes. 

They have even transferred the debt to a shady collection company in XX/XX/XXXX and shut off access to my account on Ally.com, I've made the payments to this company and they're reflecting as paid but still the Charge Off remains.

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 2018-04-19
Company: Experian Information Solutions Inc.
State: OR
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:
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/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 2017-05-23
Company: Commonwealth Financial Systems, 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:
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  COMNWLTH FIN does no t have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation