BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: UNITED BANKSHARES, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX, a franchise of the Bankshares , Inc., is my mortgage servicer from XX/XX/XXXX.  After 12 years of impeccable service, in XX/XX/XXXX, the Bank transferred my account to the newly formed XXXX XXXX XXXX in XXXX XXXX, MD, and the problems occurred with the new office manager who was not fit for this position. When he was caught in wrongly advising the customer about options for the loan modification, he did not admit the error but started to manipulate customer 's mortgage account in order to produce a virtual delinquency and to punish him for his grievance protecting his rights. As a manager of the XXXX XXXX XXXX he had the opportunity, wish and the bank " power '' to start the foreclosure proceedings which failed in XX/XX/XXXX. Because of this failure, later in XX/XX/XXXX, he hired a law firm which had experience in debt collections, appointed them as " substitute trustees '' to avoid the responsibility under FDCPA, provided them with his fabricated affidavits, and finally succeeded to manipulate the Court to allow him to sale the extorted prpperty for {$50000.00} above the the purchasing cost which equalled the mortgage debt. Nice profit from wrongdoing. Is it allowable? 
I admire the United Bankshares , Inc, Code for Conduct and Ethics, and I wish that they will insist their franchise, the XXXX XXXX in MD/VA to comply with this code. If this happens, the most of the problems in this complaint will be solved automatically.

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 2020-11-02
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX we closed on a home. The mortgage was sold to NewRez. There was an overpayment in escrow account. This summer I requested an audit. The audit showed that there was over payment. Since XX/XX/XXXX I have been attempting to collect the check for the over payment. Despite numerous phones call with New Rez they have not sent the check to us. Any help in resolving this issue would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$17000.00}

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 2018-03-02
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICAN MEDICAL COLLECTION AGENCY Date of Service : XX/XX/XXXX Total being Disputed : {$160.00} I have no idea where this debt came from. I have not been in the hospital in over 2 years now, the last time dating back to XX/XX/XXXX with the case of the XXXX and a follow-up with my doctor. I was never in a hospital last year at all so this is definetly a debt that does not belong to 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 2017-09-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This is a complaint about the Equifax data breach. Through no actions of my own, I find my personal information compromised due to the negligence of Equifax 's cyber security which has placed myself and millions of other Americans at risk. 

This will be a lifetime of headaches with dealing with protecting my credit information. I wanted to submit a complaint in light of this stress and for whatever future loop holes I may end up going through due to this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/20 I initiated a chat with Verizon to find out about the promotion on the Verizon Visa. The agent clearly stated " That is correct! {$10.00} Verizon visa card discount will be applied on top of your {$10.00} auto pay discount. '' and the screenshot of the chat with the chat ID is attached. Now that I have made the decision to apply for the card and was approved, Verizon has told me that the agent lied and that there is no promo. The promo actually does not even exist, and never existed. They used this false information to persuade me to apply and the whole thing was a lie. Applying for credit negatively impacts your credit score. Also, if I cancel the card, it will again negatively impact my credit score. So as a result of their false information I am stuck with a card, that they do not intend to honor the promotion provided by the agent. I called customer service and had my issue escalated to their management team, who told me that they have seen multiple issues like this recently. So it seems that there is an entire class of people who have been convinced to apply for credit under false pretenses. This is absolutely astonishing and should be stopped immediately. There has been no resolution provided other than they are sorry the rep lied. This is not acceptable.

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The lender is XXXX which is not reporting the correct balance and that is effecting my credit score significantly. I opened an investigation with Trans Union and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on XX/XX/XXXX, the case was opened on XX/XX/XXXX. The balance is XXXX as of XX/XX/XXXX in my credit report but as of XX/XX/XXXX the correct balance is XXXX I called Trans Union and complained to XXXX which claim was a supervisor on XX/XX/XXXX at XXXX XXXX XXXX and asked him why Trans Union is reporting a false balance and he said because XXXX said it. I told XXXX it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period. I asked why the screenshot that I submitted within Trans Union dispute section was not presented to the lender - XXXX and XXXX said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from XXXX and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say. The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

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 2020-11-02
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:
I have been writing Experian every week for the past eight weeks in regard to incorrect information they are reporting on my credit report. To begin with, Experian is reporting nine variations of my name that are incorrect. Furthermore, Experian is reporting an incorrect address, and employment information. I sent Experian a copy of my passport, photo ID, social security card, along with a letter asking them to correct this information. In addition, there are a few accounts being reported under different names that don't belong to me that Experian wont remove. Imagine seeing an account that does not belong to you on your report that is weighing down your credit score? You become anxious for it to come off because you feel wronged. Experian has been sending me stall tactics for the past three months. Today i received a letter that said hat they still have not removed the fraudulent information but they decided to close the investigation and " update '' the accounts. The irony is the update did not " update '' any information. The accounts are still on my report, Experian is acting like i did not ask them to " delete/remove '' from my report. Experian is breaking the law by reporting incorrect information on my behalf and they need to held accountable.

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 2021-02-03
Company: The Thomas Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had given birth to my daughter XX/XX/XXXX, but rather I had changed OB/GYN locations and providers from XXXX XXXX XXXX XXXX XXXX. And, I didn't give birth to my daughter in XX/XX/XXXX, but rather she was born in XXXX, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have this issue with CITI back to XXXX, then I submitted a complaints in here in XXXX, they contacted me and sent me two letters in XXXX and XXXX claiming they will solve that for me. I had attached two letters from CITI as evident. It'salready been XXXX now I still have not received my welcome bonus. I swear I will never become a CITI customer again, they have the worst customer service. But I won't give up getting my bonus back. Please see attachment how CITI promised to solve this issue for me and it's been almost 5 months it still not been resolved.

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 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am complaining of excessive interest charges on kohls credit card. 
Credit card is set so that minimum payment is made online automatically. I did not realize there was a balance in the account. Statements have been sent electronically which has not been either received seen or reviewed by me, hence I did not know there was a balance. Meanwhile compounding interest has been piling up and the interest rate is ridiculous, why is anyone even allowed to charge such exorbitant interest rates. Attempt has been made three times to ask forgiveness/lessening of the interest charges ( especially during pandemic ) without success, they would only forgive one months worth, meanwhile they have been charging compounding interest for more than a year totaling hundreds of dollars. 
There is also limited information online on the statements. Goes back to only 3 months and without details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: WELLS FARGO & COMPANY
State: CA
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 got a call 10 to 12 years ago from XXXX XXXX XXXX, XXXX that I owed something about {$5200.00} including late fees I told them I dont have credit card from Wells Fargo Bank and i hadnt live XXXX since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems XXXX didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove 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 monetary relief
Consumer complaint received 2020-05-14
Company: Bridgecrest Acceptance Corporation
State: NC
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:
This is with regard to erroneous information that you has been reporting to XXXX  regarding the XXXX XXXX  account. 

First, you are reporting it as a repossession when, in fact, it was a voluntary surrender. Second, you also re-aged the account to make it appear as though the repossession had recently occurred, which had a negative impact on my credit file. This car was turned in back in XXXX and it is STILL reporting to my credit which it should not be. In accordance with the Consent Order # XXXX, Section V ( Conduct Provisions ), Paragraph 61.g.iv, issued by the Consumer Financial Protection Bureau , you are required to remove this information from my credit file with Equifax. 
It is showing the last paid payment is from XXXX and i did not even have the car in my possession since XXXX. The information of my credit report is false and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Immediate Credit Recovery
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Immediate Recovery refused to give me correct information on how to get help with defaulted loan status. Instead they made.threats and eventually called the police to the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My wife received settlement from XXXX XXXX company in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXXXXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face wit PayPal stealing our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, 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:
To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
when I sign up to buy the car under financing and 2 month later I found out they put me into leasing. for two year and take my down payment in to initial payment for the lease ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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 information incorrect

Complaint:
I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.

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 2020-11-22
Company: Credit Wise Recovery Solution LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from XXXX XXXX to credit wise to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from XXXX XXXX to credit wise.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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