BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: DISCOVER BANK
State: OR
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 a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that I have 2 collection accounts on XXXX and XXXX for alleged hospital bills for {$690.00} and {$200.00} but I was incarcerated at this time so these are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: FC HoldCo LLC
State: HI
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:
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, TX 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 2018-12-07
Company: LEXISNEXIS
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX  from XXXX XXXX  and I believe I have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hey CFPB, please forward this to Wells Fargo Dealer Services.

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 2018-04-23
Company: Worldwide Processing Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I was called by FMR or Forward Movement Company. They contacted me with the number XXXX and XXXX, in the words of their supervisor their number changes often. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York. According to the local police department they are well known to run many scams. According to consumer finance they have over 500 negative complaints. 

Since XX/XX/XXXX they have called me about 11 times. I have spoke to them 4 times telling them to stop calling me, including telling their management. In their messages they demand that I give the information regarding the where about of XXXX XXXX ( last name not understandable. ) I do not know this person and I told them that. 

I have called them on each number they call me from, each number leads to the same company and each time they say that " I am not in the system '' " they never called me before ''. They are liars, they call me and then say they never called me, I have the call logs and voice messages to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: McCarthy & Holthus, LLP
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My Mortgage Company referred a debt to McCarthy Holtus without ever contacting me. When I discovered my mortgage payments were not made I attempted to make them right away. Mortgage company told me my home was already in foreclosure. When I contacted the public trustee 's office they confirmed my home was NOT in foreclosure.
McCarth Holtus told me file was too new and they had no information yet. They told me they would not accept my payment until after they filed foreclosure proceedings. I told them ( begged them ) to allow me to bring the loan current BEFORE filing foreclosure proceedings but they refused to accept any payment until they could add on additional legal fees not yet incurred, and also to file foreclosure proceedings against me.
They are aware that foreclosure has not been filed, fees have not been incurred and yet they refuse to accept payment in full until after they can assess fees and file legal proceedings against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a Company claiming that I owe money to there company which is XXXX XXXX and I rented a house with them in XXXX I lived there for a little less than a year almost a year however I was on Housing With The Public Housing Authority in XXXX XXXX Tx and I had a ex who was XXXX  and family XXXX was involved in the past and he kept threatening me so I had to break my lease early. It was a emergency move and was approved through the housing. However the real estate company was upset and falsely claimed that I left the property damaged and dirty which was a lie cause at the time I took pictures and showed my caseworker XXXX XXXX XXXX who was shocked that they would lie about that. You could call her and confirm it with her and she will tell you. However if this happened in XXXX why are they bearly filing and why does is have a different date on the credit report. I havent lived there in over 2 years and I dont understand why they are accusing me of XXXX them {$6100.00} which is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: Paypal Holdings, Inc
State: WI
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:
I used Paypal to buy a product where i was charged ro different amounts and i am unable to enter dispute via internet access after numerous attempts i am simply locked out. I have also attempted to contact because of an unknown address setting up fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy cash has opened an account on my credit of {$2100.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CitiMortgage has failed to properly service our mortgage loan and we are facing a foreclosure sale. We had to file bankruptcy to try to get our payments back in line, but it is only a matter of time before our home is lost through foreclosure. We feel this is very unfair since they have never completed a review for mortgage retention options, even though we have complied with every request they have put in front of us. We killed an entire forest of trees trying to get them the documents they needed over the last few years, but this has yet to get our loan to their underwriters. We fell on difficult times financially and fell behind on our mortgage payments. We had no other choice given the situation we were in at the time. We have tried for years to work with CitiMortgage, but they have not provided any offers of loan modification or repayment plan. We feel though that their representatives have treated us with indifference towards our situation and have never really worked on getting our mortgage payments back in order. Our income was reduced when I suffered business losses and then my wife lost her job a short time later. Now that we are in foreclosure and apparently will be facing imminent eviction, we need your help to ensure that we have the opportunity to save our home. It would certainly be travesty if we lose our home due the inability of CitiMortgage to get our information into a reviewable format. We also have never had a single point of contact with whom to discuss our circumstances. This we understand is something that should have been provided to us. We want the opportunity to ensure we maintain our home for our family and live here the rest of our lives and thus will need your intervention.

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 2018-04-23
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I initiated an Electronic Funds Transfer via Google Pay Send / Google Payments Corporation ( GPC ) on XX/XX/XXXX, in the amount of {$8500.00}, which was debited from my XXXX  XXXX XXXX Checking Account ( XXXX ) on same date. 
To date ( XX/XX/XXXX ) GPC has failed to deliver said transfer to recipient, failed to provisionally credit my account, and failed to refund or return funds to me. 
Additionally, upon my verbal and written notification of error on XX/XX/XXXX ; GPC failed to conduct a timely, thorough investigation ; failed to correct error within 1 business day ; and failed to issue provisional credit for the amount in error, pending completion of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for 2 lian forgiveness programs and was denied each time. I applied for XXXX loan forgiveness, which I had met all of the criteria. I was denied because they said my loans were not eligible because I consolidated them, putting them in a different timeline which was out of the eligibility guidelines now, and they were the ones who told me to consolidate. I also applied for Public servant loan forgiveness, after working in a school and job that met criteria for the l8an forgiveness, I also made 120 consecutive payments to meet criteria for forgiveness. 
I was told my loans were eligible but after submitting the application was denied again, stating my loans were not eligible now. There solution was to put mt loans under a different loan name and start the process over again. 
These two incidents should be on file with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: SYNCHRONY FINANCIAL
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: Other problem

Complaint:
I have had credit card with XXXX XXXX - XXXX XXXX XXXX XXXX and over 12 months I have earned cash back of {$360.00}. XXXX XXXX stated that check in amount of {$360.00} was mailed to me in XX/XX/2018 but I did not receive the check. When Ive called to see what is happening they said that check was mailed and they can not issue me another one. Since original check was not cashed and I did not receive it I do not understand what is the issue and why I can not receive my money from cash back.

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 2017-07-31
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 'm having trouble removing PMI from my mortgage. I have met the conditions that were provided to me by my mortgage company ( 20 % equity based on most recent appraisal as well as not late payments ).
On XX/XX/XXXX I received a letter stating the criteria for removing PMI ( which I meet ) and then they state that they were unable to approve my request because I do not meet the two-year seasoning guidelines. The letter provided no explanation about what this meant. When I called the rep said that I needed to have had the loan for 24 months in order to remove PMI. I 've had the home for three years now and refinanced a little over a year ago. Until my request to remove PMI I had not ever heard of a 24-month requirement in order to remove PMI.
I 'm frustrated with this decision to not remove my PMI. I feel that I 've met all the criteria that were presented to me when I refinanced and when I asked freedom mortgage how to remove PMI. When I asked what I could do they told me that PMI would be removed in XX/XX/XXXX. I find this unacceptable and deceiving.

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 2018-12-08
Company: Waypoint Resource Group, LLC
State: PA
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 have a debt on my credit reports through XXXX XXXX   from XXXX  and XXXX from Waypoint Resource Group or XXXX. The debt is from XXXX. I was born in XX/XX/XXXX ; I'm in XXXX  and I have always lived with my parents. I have never applied for TV or internet services. The only credit I have is a credit card through XXXX XXXX which is in very good standing, never late or over limit. The debt has a date of XX/XX/XXXX on my credit reports. I filed a dispute with the credit bureaus and directly with WayPoint and it's still on my report. I'm about to enter graduate school and I need to have clean credit to get the loans required to graduate. I was advised by my counselor to request debt validation with proof of a signed application, dates as to when the account was opened, how it was opened, etc. I never received any proper validation. All I received was a copy of a bill with the dollar amount of {$610.00} as the balance. No proof as requested was provided. Under the FCRA, I have the right to request debt validation and it must prove the debt is mine and was obtained correctly. Please remove this from my credit reports as I'm just a young student trying to make the best of my life and this is causing many problems. 

WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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: Personal information incorrect

Complaint:
Transunion File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX/XXXX XXXX does not show my ( Position ) I'm A XXXX   and attach proof as to TransUnion not putting all the correct information to Personal Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was pressured into opening a new bank account at wells fargo, even though I already have 2 other ones. I opened a business account and deposited {$300.00} into the account. The teller told me that the account would have no fees, so I planned to just keep the {$300.00} in there until I actually started running the business.

Problem 1 : I asked numerous times to be able to access the account online through my online banking, nobody was able to help, so I was never able to access or view the account.

Problem 2 : I started receiving e-mails that the account was overdrawn. I've never once used the account to make a withdrawal or used any money in that account. Not the balance according to the e-mail is - {$14.00} when it was + {$300.00}.

Wells Fargo willfully lied to me and stole all the money out of my account while not allowing me to access the account. I'm not sure how this Bank is still in Business after all the horrible things they keep doing to people.

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 2018-12-08
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I had my identity stolen by someone and had made several hard inquiries which I had never authorized.

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 2018-06-28
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:
My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. I submitted letter to Experian the beginning of XX/XX/XXXX. Regarding accounts and inquires that don't belong to me showing up on my credit report. They have failed to provide physical proof that the accounts where mine. This has gone over 30 days to be honest over 180 days to be exact. I've been trying to sort this out. I've sent ( 4 ) 609 letters. Experian has yet to delete the accounts that i'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.

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 2019-01-26
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
loan XXXX Ocwen is the servicer and refuses to help modify the interest only loan that was given erroneously years ago. 
It was a bad loan from origination. 
I've sent in requests over and over again Ocwen is pulling my credit without my authorization causing my credit score to decrease. 
I have never given them authorization to check my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

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

Company response to consumer: Closed with explanation