BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I retrieved my credit report from all 3 bureaus. To my dismay, a company by the name of Midland Credit Management was listed there as a collections, for {XXXX}. Not aware for what this collection was I immediately disputed with the 3 bureaus as well as with the Midland Credit Management company. As outlined under the The Fair Debt Collection Practices Act I requested a Validation of debts to include a statement and/or signed contract. In response, I received notice that the debt had been validated as accurate from the bureaus and an offer for settlement from Midland. They ignored my request to substantiate their reporting. The FTC states on their website that with such request the collector has to send you written verification of the debt, like a copy of a bill for the amount you owe, before it can start trying to collect the debt again. https : //XXXX.XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX, yet all I have received is numerous offers to settle an erroneous debt while they continued to report this derogatory tradeline. 

It's evident Midland is not able to substantiate their derogatory report in association with my name. However I am open to giving them one last attempt to physically substantiate the erroneous reporting or promptly delete such reporting information as the FCRA and FTC instructs. The reported inaccuracies are damaging and impedes my rightful ability to gain financing with fair and responsible terms. 
Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-15
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: Information belongs to someone else

Complaint:
I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX  ( XXXX XXXX ) 2 accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX ( XXXX XXXX ) 2 accounts

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have been disputing accounts with the bureaus and have received nothing. There have been no updates or letters. I have items that are inaccurate and must be fixed.

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 2022-01-09
Company: WELLS FARGO & COMPANY
State: PA
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:
XX/XX/21 placed order from XXXX. 
XXXX was sent email 2 refunds were issued. {$830.00} and {$2000.00} no refund ever issued. 
XX/XX/21 contacted XXXX and many times after that via phone email and online chat and never was returned anything. 

XX/XX/21 ordered from XXXX  {$1800.00} XX/XX/21 website states refund issued. then it says waiting on return and also says declined. got email also from XXXX  stating items will be returned which means they got the returns and never returned them. proof XXXX  is lying. 


XX/XX/21 placed order jag alliance {$910.00} so far no investigation done. 

wellsfargo called me but gave no reasons to why the denial. they claim XXXX wont turn over to them lebels or pictures of anything to prove items weren't returned but documents show they were. wellsfargo didn't ask or even demand proof of anything that was claimed. wellsfargo is suppose to be working for the card holder not the store. 

I am asking for all three charges to be refunded. I am asking for emotional destress. I am asking for any credit scores to be fixed. I am also asking for card to be turned off with no credit score changes and the balance to be delted to zero as part of the emotional destress. If wells fargo doesn't want to rectify this matter we will seek court action for the charges and damages also unfair credit reporting act. I will not play games with these companies anymore.

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 2018-01-30
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Approx XX/XX/17 is when this started. XXXX would call 10-15 times a day. in XX/XX/2017 I stated getting calls from Weiss and associates at my place of employment. In XXXX when I returned to work after the break there was 10 messages. I called them back they threatened criminal  charges if I did not provide them a checking debit card to make payment arrangements. I asked them to send it in writing and told them I wasn't going to provide my debit card information. They said it was that or a prepaid debit card but that was my only option. They continue to call daily and block their number so it appears as unknown.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-27
Company: Penn Credit Corporation
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit Cor phone numberXXXX.Continues two Robotic call me regarding a debt I have nothing to do with or Know about.They call all different times of Day.I 'm physically XXXX with mobility problems.THANK-YOU for helping these annoying calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
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:
This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

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 2021-07-15
Company: CURO Intermediate Holdings
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This was a supposed installment loan because my husband was unemployed and i am XXXX, to help pay bills, car payment, rent electric that had been cut off and was trying to feed a family of 5. They continued to attach interest and late fees. This is definitely predatory lending. I also asked them to extend the payments which they refused to do. Or to reduce the payments so i could get caught up, which they refused. The calls were threatening. As are the calls from most collection agencies that have this type of clientele. Its fraudulent how much money this has increased from the original loan. Unfortunately due to covid we can barely make ends meet. 
Bottom line i do not have the money to pay {$100.00} let alone $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am placing a freeze on my credit files at Experian, XXXX, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.

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 2021-11-06
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 reached out to Experian after finding a fraudulent account from XXXX XXXX. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by XXXX and I want this to stop. This has not only damaged my financial character, but is causing unnecessary 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 2022-08-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have 2 mortgages with Select Portfolio Services. I was on the Covid or Pandemic Forbearance plan on one of these mortgages due to loss of income for both myself and my tenant. I was originally with XXXX XXXX mortgage co, but Select Portfolio bought that company in XX/XX/XXXX. My forbearance ended XX/XX/XXXX. I received a package regarding a modification plan since my Forbearance was ending. I now have a modification plan in place eff XX/XX/XXXX, which placed the money owed to the back end of the mortgage. I am now trying to refinance my main residence and needed the Modification to show that it was indeed due to Covid, or Pandemic reasons. Select Portfolio told me 3x on the phone today, XX/XX/XXXX, that although they can see that it is actually a Covid Modification, due to my type of forbearance, they can not put it in writing but the mortgage company can call to verify. The mortgage company asked me to try one more time with a supervisor and see what they can do. I spoke with XXXX and she stated that Select Portfolio does not offer any Covid modification at all. That once the Covid program that I was in ended, the option that I had was a straight forward modification. I asked why, since my Covid forbearance ended XX/XX/XXXX and the modification started XX/XX/XXXX, you can clearly see that it is Covid related. She just answered, this company does not offer that to anyone. It is not an option with us. In order for my refinance to be approved, I need to show that this was Covid related, to prove that I just did not feel like paying my mortgage. I am trying to do the right thing and I am getting nowhere. 
When i asked if I can be placed under the hardship again under Covid or Pandemic rules, they said I could not because they are no longer allowing those type of forbearances. Unfortunately, due to Covid, i was forced to retire and my income has drastically changed. the money received from the refinancing would help my family out tremendously. 
Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I submitted a CFPB complaint ( XXXX ) due to not receiving a promotional offer from CitiBank. As per the company 's response, CitiBank promised to provide a statement credit of {$300.00} within XXXX business days. I did not receive the credit after XXXX business days so I contacted CitiBank via email, who responded saying it would take them XXXX  days to even investigate and respond to my inquiry. I was unable to contact them via the phone number they provided. The case should not have been closed until after I received the promised resolution. The company did not do what they said they would in their response.

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 2019-01-14
Company: We Finance Inc.
State: CA
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:
In XX/XX/XXXX. I noticed that on my XXXX XXXX account the loan with Wefinanceinc that I Co signed for my son was not showing the last three months of on time payments. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted XXXX  to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager Wedinaceinc. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I began the refinance process with XXXX XXXX with NewRez. All responses with XXXX were super quick. Around XXXX the house appraisal was available for NewRez and myself. On XX/XX/XXXX, I received an e-mail from XXXX XXXX advised that my loan had been approved and we could continue. On XXXX, I received an e-mail from XXXX XXXX XXXX XXXX advising that I need to provide an Engineering Certification. This was provided to them on XX/XX/XXXX along with some additional things required. I attempted to call & e-mail XXXX between the XXXX and XXXX multiple times with no reply. On XX/XX/XXXX I e-mailed XXXX to follow up and see what I needed to do. At that time, she advised that my closing date would be the XXXX and sent paperwork for me to sign. I never received any communication that we were not going to close on the date given to me. I received no response from XXXX and e-mailed XXXX again on the XXXX. She advised that she was going to e-mail XXXX and his manager.  After receiving no response again, I reached back out to XXXX again on the XXXX and did not receive a response from her either. I had several questions regarding my loan which appeared to be the hold up. 
On XX/XX/XXXX, I filed a complaint with NewRez late in the afternoon, I do not remember the agent 's name who I spoke with but she was extremely helpful and understanding. To my surprise, I received a phone call from XXXX and XXXX on XX/XX/XXXX. I spoke with XXXX on the 2nd and she was helpful on straightening out the applicable property county assessor issue we had. She advised that XXXX was out until the following Monday but that he would finishing closing the loan once he was back. 
I received an e-mail from another processor in XXXX requesting bank statements. I uploaded them and have not heard anything. On XX/XX/XXXX I e-mailed XXXX requesting a cancel on the refinance. The same day he advised that he sent the request up to processing management. I followed up on XX/XX/XXXX and as of XX/XX/XXXX have received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Credit Corp Solutions Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Locked my credit in 2014 due to this situation. I don't know owe any debt from the company that your claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 creditor of Capital One, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: AES/PHEAA
State: NC
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:
In XX/XX/2017 XXXX XXXX XXXX ( XXXX ) contacted me about my parent/ child student loan, at the time my balance was XXXX, which was thru XXXX XXXX. I was paying them on time each month never had a problem with them. XXXX told me they could refinance my loan, my overall payments would be 3 years at XXXX per month for a total of XXXX and the rest would be forgiven. In XXXX. I received paper work from XXXX, who informed me that they had taken over my loan, and they said my first payment was due in two weeks. and my payments would start at XXXX and rise to XXXX. I was so hurt. I cant believe people are taking advantage of the public like this. Something needs to be done. Help us.

Company response to consumer: Closed with explanation