BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, My name is XXXX XXXX and on XX/XX/XXXX, I agreed to a loan modification agreement. A payment was made on that same day, to finalize the deal. However Quicken loans decided to report to ALL three credit bureau that I was late with my mortgage payment for XX/XX/XXXX. This is not true because I have a bank statement that shows I made a payment on the XX/XX/XXXX and it was taken out of my bank account on XX/XX/XXXX. I have reached out to quicken loans and showed them my proof ; however, they do n't want to change it. So I am requesting that CFPB, to intervene and assist me in having Quicken loans remove that negative remark from my credit report so I can refinance my property. Unfortunately I can not refinance my property because under NEW federal banking law a mortgage holder can not refinance his or her property until a one year has passed from the date of the late payment has passed. My mortgage payment is due on the XXXX of every month. XX/XX/XXXX was XXXX XXXX XXXX 's birthday and the banks where closed, but XXXX XXXX XXXX was aware of that holiday and they said the payment will be taken out of my account with no problems and they would not penalize me because it was a holiday. Plus you can request the phone records of the phone call that day between quicken loans and me, to prove my statement is true. I will be looking forward to your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Calling family members. They are disclosing min amounts due. That is illegal. Several famy members have contacted me about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice to dispute letter. I am unaware of this account/debt.

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 2017-11-20
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 to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it

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 2018-05-23
Company: Equitable Acceptance Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am a monolingual Spanish speaker, and a bilingual person typed this for me. Please correspond with me in Spanish. 

In XX/XX/XXXX, XXXX XXXX, cold called her. Shortly after, a sales representative for XXXX XXXX XXXX, came to my door offering to sell me a tutoring system for my XXXX year old daughter. XXXX XXXX told me that she could receive one-on-one, in person, tutoring services from one of your academic tutors once a week in our home. I was also told that there was a companion application-based course program. XXXX XXXX had us complete documents for contracts with both XXXX XXXX XXXX and Equitable Acceptance Corp. I paid a {$100.00} deposit. 

Originally, the first appointment was scheduled for XX/XX/XXXX. Your employee failed to appear at the appointment, and gave an excuse about some problem. Subsequent appointments were also missed with different excuses. My daughter has yet to receive a single tutoring session. Furthermore, I downloaded the app, but am unable to access the content. I have contacted your company repeatedly about these problems with no satisfactory response. 

Moreover, I have been made aware that XXXX XXXX XXXX, via the parent company XXXX XXXX XXXX, has had its corporate status forfeited by the California Secretary of State. Additionally, Equitable Acceptance Corporation has had its corporate status suspended by both the California Secretary of State and the California Franchise Tax Board. 

I wrote a letter to XXXX XXXX XXXX and Equitable Acceptance Corp. I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/14 {$940.00} I have sent a debt validation letter to Resurgent Capital Services on behalf of XXXX XXXX XXXX. The company sent me a Account Summary Report with no signature. I do not have a signed contract nor any contract with Resurgent Capital Services. I have never done business with this company. I am not liable for the collection from this debt with XXXX XXXX XXXX. I am not responsible for this debt with Resurgent Capital Services. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a part in the account from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 my Wells Fargo business checking account was debited {$370.00} via a BUSINESS TO BUSINESS ACH to XXXX as " lawn/garden ''. Long story short, Wells Fargo closed the case stating I had two days to dispute the transaction but that time had passed and there is nothing they can do for me. XXXX XXXX fraud dept told myself and a police officer that they have no transactions listed from my bank account anywhere in their database. Wells Fargo told myself and the police officer they considered the matter closed even after we both informed them of our individual calls to XXXX XXXX. The question the Wells Fargo staff refused to answer is where did the money go if XXXX XXXX has no record of the transaction? Wells Fargo fraud dept refuses to investigate this matter further, which the police detective said looks bad on them, like they are covering up fraud, which he told them over the phone to no avail. Clearly this is a fraudulent transaction and considering the facts, it appears to be a case of internally generated fraud by Wells Fargo personnel. Why won't Wells Fargo fraud agents investigate this matter and work with XXXX XXXX to determine where the funds went to? In any case, Wells Fargo customer service is not helpful, very difficult to navigate to their dept via phone and are at times outright hostile. Even the police detective complained of how he was treated over the phone after being transferred eight times to various departments only to be told there is nothing further Wells Fargo will do. This is how the bank treats and protects their customers? Looks like another Wells Fargo clever trick to scam money out of their customers ...

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 2018-05-23
Company: Admin Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
continues to contact my employer after i have requested they not call me at work. 

I have requested this both verbally and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
cmre financial service acct no. XXXX is attempting to collect a debt that was covered by insurance at time of service.IT IS WRONGFULLY APPEARING ON XXXX CREDIT BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My family was scammed out of a home we tried to purchase. We made 2 payments of XXXX $ via XXXX to XXXX as a down payment for a new home. First payment was made on XX/XX/XXXX and second payment was made on XX/XX/XXXX. I notified my bank and they restored my money along with a new card. They just sent all the money back and charged me causing me to go broke and late on payments. We have a police investigation open as well case # XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: JLB CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
GoldenOak lending obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Falls Collection Service Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft. I recently viewed my credit report and I noticed that false inaccurate debt was listed from multiple collection agencies. I reached out to different collection agencies regarding this issue. According to the FDCPA I'm required to receive all original documents of debt that is claimed to belong to me. Unfortunately, I was not given that privilege which resulted in me filing this complaint. My goal is to resolve these issue, fix these errors and hopefully get all debt collection items removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Randomly received a bill in the mail stating that I owe Navient a total of XXXX principal and XXXX of Unpaid Interest ; last payment received XX/XX/12. This is the first time I am receiving any notice of a missed payment!! This is unfair and do not agree with this billed. Please help! This is the first time I ever heard of Navient. I was orginally signed with Sallie Mae services and believed my loans were paid in full. This is the first notice I've received about any bills or warning notices. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CITIBANK, N.A.
State: NJ
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 received a call on my phone from a person claiming to be from Citi bank fraud department. This individual made inquiries into the charge on my account. This unknow individual was convincing and ultimately was able to convince me that he was going to transfer {>= $1,000,000} into her account which he gains access to. He then had me transfer through XXXX $ XXXX an outside account. This individual becomes rude after being on the phone for about half hour. I called Citi bank and learned that I was not talking to Citi bank associates but rather had been the victim of a fraud.

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 2021-09-16
Company: Genesis FS Card Services, Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I closed my Indigo/Genesis credit card on XX/XX/21, and received a refund of the credit/overpayment on the account in XXXX. After this, also in XXXX, the credit card reopened my card account, without my permission, and subsequently allowed three charges to go through. Then they debited my checking account yesterday for an auto-payment, without my permission. I called them this morning, and their solution is to dispute the three charges with the merchant, which they allowed, and if they are able to resolve it, I will receive a refund of my unauthorized auto-payment after 60-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After reviewing the falsified documents provided to me from Select Portfolio Servicing INC thus far, we conclude that they nor the Trustees have a legal right to be servicing/foreclosing/collecting on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
I closed a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, NV XXXX ) credit card account with a {$0.00} balance in XXXX of XXXX. When doing so XXXX XXXX held the account open charging an {$8.00} fee every month AFTER the card was closed. They acknowledged the error and said they would report it to the credit agencies showing a {$0.00} balance with NO LATE PAYMENTS in which they have failed to do. This account was closed with a {$0.00} balance and was never late. I don't have one late payment on any one of my 7 credit cards and would not of let one be for {$8.00}.

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 non-monetary relief
Consumer complaint received 2018-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dear Sir/Madam, My name is XXXX XXXX. 
I am the client of Bank of American and Home Equity Account is XXXX. 
In XX/XX/XXXX, They offered me the promotion 1.99 % APR fixed through XX/XX/XXXX. And this promotional rate is only available on new draws by phone before XX/XX/XXXX. 
On XX/XX/XXXX, XXXX. I phoned to draw fund total XXXX to my check account. Of course I returned some during this period. And the Ending Balance is XXXX. 
This means all balance should be in promotion rate. see attached document 01 But the statement ( Billing cycle : XXXX ) is : All other transactions APR 4.41 Principal XXXX Finical Charge XXXX Where comes from all other transaction? My total draw fund ( by phone ) in XXXX is XXXX and this much larger than the ending balance. This means my ending balance XXXX is from phone transferred from Equity account to my check account and this should be APR1.99 not 4.41 as their promotion. All my transaction only through phone as their promotion requirement so all transactions rate should be 1.99 % as promotion. 

Same problem : BOA offered special promotion in XXXX : 1.99APR fixed through XX/XX/XXXX. And this promotion rate is available on new draws by phone before XX/XX/XXXX. I draw funds on XX/XX/XXXX, XX/XX/XXXX, total {$64000.00} by phone. See attached 02 But the statement ( Billing cycle : XXXX ) is All other transactions APR 4.66 Principal XXXX Finical Charge XXXX Where all other transactions come from? Why this principal XXXX is the same as last cycle ( as above said )? All my transaction only through phone as their promotion requirement. So all transactions rate should be 1.99 as promotion. 

As I am not native English speaker, please ask them reply me by writing form. 
My e-mail address is : XXXX OR XXXX. 

Please ask them correct these mistakes and do not make same mistake because last billing cycle they did same mistake and correct after your notice to them. 

Best Regard 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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Someone stole my purse and opened fraudulent accounts in my name with out authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Diverse Funding Associates LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my 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 2021-11-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i was laid off my job and was diagnosed with XXXX explained that and loan was suppose to be in deferment. Reported late on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Capital Accounts, LLC
State: TX
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:
3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. 

In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. 

I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. 

I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. 

I have sent certified/return receipt in all instances as you will see in the attached. 

Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation