BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is the second account they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I  demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Ocwen Financial Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2013 to XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion Consumer solutions Is still negatively reporting XXXX XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from transunion Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance

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 2018-09-01
Company: EQUIFAX, INC.
State: OH
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:
I filed a CFPB complaint against Equifax for adding a consumer statement my credit report without my consent. On XX/XX/18 Equifax acknowledged to CFPB that they deleted the consumer statement. I checked my credit report and Equifax did infact delete the consumer statement. Today XX/XX/18 I paid for my personal credit report and noticed that Equifax added the same consumer statement back to my credit report after they acknowledged that they had deleted it. I am fed up with Equifax lying to me and CFPB. I want the CFPB to know that Equifax has done anything but be truthful, they keep adding previous disputed information back to my consumer file. I will show proof for my credit report XXXX that the consumer statement was deleted and my credit report for XXXX that it was re-added.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
This company santander. They have been removed form my other accounts but they are still showing on my XXXX. I disputed with XXXX  because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with XXXX and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I requested a full and complete audit on my Wells Fargo mortgage account because the monthly mortgage statements I have been receiving and still currently receiving are showing months that payments were paid as not paid. Monies sitting in unapplied funds and not being applied to my account. 

Every month I have been faxing copies of the incorrect mortgage statements along with copies of money orders and checks for payments made, for the months in question. 

A XXXX XXXX was assigned to process my audit, as of today 's current date, Thursday, XX/XX/XXXX, XXXX XXXX has not and refuses to provide any status of my requested XX/XX/XXXX audit. No communication and he provides a deadline that he will have the audit completed and continues to extend the deadline every month since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
You guys really need to get out and start investigating banks. Ok here we go : Openened an checking account online on or about XX/XX/XXXX deposited {$1000.00} to fund it. Today (XX/XX/XXXX ) go into my local branch in XXXX, CA to activate debit card ( which i did, and make another deposit of XXXX, and open a savings account or so I thought. When I see a " banker '' to open a savings everything seemed to go through until the end when she told me there was a problem, and " she was new here '' and she had to talk to her " manager '' she comes back to tell me that I " can not '' open a savings account ( I thought checking accounts were the tough account to get ) furthermore she told me that my checking account that was approved was " in jeopardy ''. I then told her to get her manager. The manager said I needed a copy of my SSN ( for a savings??? account?? ). Oh yeah, I had a Citibank account about 4 years ago ( which I closed on my own volition ). My credit last I check was in the 600 range so, ... ..Citibank why can't I open this savings? Is it because I made the mistake of going into a branch where you could see my race ( XXXX XXXX )? That would be illegal!

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 2020-09-16
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AFNI, INC. did not provide the proper documentation as requested and continued to leave their collection activity on my credit report.

During this validation period, Afni, Inc., actions was and still is detrimental to my credit reports. The information own my credit report was never validated or verified as being my account there is no provided proof that it is.

Afni, Inc., never validated my request within 30 days from the date they received my letter, all references to this account was never deleted and completely removed from my credit file and a copy of such deletion request was never sent to me. 

I am attaching the signed return card from the post office showing they received my request and had their full 30 days to validate this debt and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
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 status incorrect

Complaint:
I am having a problem with XXXX XXXX. There are two credit  cards that are in their name : one, which is through XXXX XXXX ; one which is through XXXX. These accounts are paid off as of XX/XX/2018, and they have reported to all three credit reporting agencies as a " charge-off '' instead of a " paid-off. '' I have contacted all three credit bureaus via mail, I have spoken with XXXX XXXX  and mailed them letters, including receipts showing paid off, yet they will not take this off of my credit report, which is making me get turned down for new credit opportunities. They state that because XXXX XXXX went out of business, they reported it as a " charge-off '' erroneously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had XXXX transactions with Citibank, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX, both for XXXX XXXX. I contacted the hotel since the guest I paid the reservation for became ill due to substandard conditions at hotel, but they offered no compensation and were unsympathetic. I contacted the corporate office, they didn't respond either. And I disputed the amounts with my bank, but after offering provisional credits they subsequently reversed them.

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 2021-09-22
Company: Paypal Holdings, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX XXXX XXXX concerning a PayPal account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on PayPals website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a PayPal  account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to PayPal and I would not hear from them again. PayPal should require more verification to open an account and not put thousands of people in this position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX  / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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 2021-09-22
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
While attempting to dispute an errant insurance billing issue, I was completely unable to contact TSI to advise them on the status of the debt. Using the phone number listed in their communication with us, I was put on hold for 3-5 minutes waiting for a representative. But was then told instead to leave a message. BUT was then told that their voicemail box is full. This is a debt collection agency ; their entire purpose is communication between parties. It is unethical for an entity to demand money, and then refuse to make themselves available to discuss. The debt is paid and Im requesting it to be deleted from all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: The Capital Good Fund
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Soo this review is on XX/XX/2019, not only have I tried on multiple occasions to get a loan even for the lowest amount and I was told that I wouldnt be able to pay it back because I didnt have enough income. Even with the proof that I received not only more than the loan I was requesting, but even the interest. Then they said it was my payment history, clear as day I have auto pay for the simple things and as far as rent I took pictures of my receipts but yet I got denied. Ive tried to get the help from capital good fund at least 4 different times in the course of 2 years and every time no luck. Ive even suggested a couple of friends who came across hard times and yet no luck and they definitely have had the income and pay history to qualify but they also have gotten denied. But yet we question who do they REALLY help? Possibly their own kind. Where do the funds go if they arent truly helping people?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Dovenmuehle Mortgage, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow cancellation letter on XX/XX/XXXX, advising I have until XX/XX/XXXX to keep the escrow account open. A complaint with CFPB was filed in XXXX ( XXXX ). In the initial complaint, an escrow waiver was requested out of frustration. The escrow account was finally set-up. I spoke with a representative in XXXX regarding the escrow account and advised I would like to keep the escrow account open. My first escrow payment was due and sent for XXXX. Only to receive a letter on XX/XX/XXXX, notifying the escrow account is waived. And I had until the XXXX to keep the account open. It is difficult to get information conveyed by phone to the right department. The letter also mentions the penalty amount of {$130.00} for taxes was disbursed. However, I was told only XXXX was paid and the XXXX was not added to my escrow account. As I advised in my initial complaint, the tax penalty was paid by me and I would like the penalty funds added to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX : I signed up for CLEARCONNECT CHECKING account under terms of {$200.00} new account bonus. Offer expired on XX/XX/XXXX. 

XX/XX/XXXX : I signed up again for CLEARCONNECT CHECKING account under the same offer after BBVA informed me via email that " We Messed Up! '' opening the prior application. BBVA confirmed back via email that my second application was processing. 

XX/XX/XXXX : BBVA sends me welcome email to my new account. 

XX/XX/XXXX : I met the final term of the offer by having my employer direct deposit my paycheck with a requisite amount within the 60 day stated time period to qualify for the offer. The other terms were met like new customer, one per household, account type, and opened online. 

XX/XX/XXXX : The offer terms state {$200.00} should have been deposited by this day which was 60 days after XX/XX/XXXX. The promised bonus deposit was not made. 

XX/XX/XXXX : I sent an online secure message asking about the missing {$200.00} bonus. 

XX/XX/XXXX : After not hearing anything from the secure message, I called customer service. After being told I do not qualify due to my state of residence and due to opening the account online despite the terms and conditions saying otherwise, a gentleman ( manager escalation ) opened a ticket to resolve the issue 'within 5 business days '. 

~XX/XX/XXXX : 'Mark ' replied to my online message saying another ticket was opened regarding the matter and that should be resolved in 24-48 hours. This reply is backdated within BBVA 's messaging system to XX/XX/XXXX. 

XX/XX/XXXX : After BBVA failed to meet both deadlines from my two open tickets, I called back customer service. The representative states I did not qualify for the offer because BBVA did not open my account until XX/XX/XXXX. I stated there was no possible way for anybody to sign up under the offer if BBVA took 2 weeks to open the applications and they used the date BBVA opened the account rather than the customer. This representative further tells me she can not assist because the group that handles this type of issue is closed for the day and I would need to call back. She claimed to be opening a ticket but no ticket number was provided. 

XX/XX/XXXX : I submitted this complaint to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX**Balance : {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX*Balance : {$0.00}

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 2018-03-15
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent Western Union money order to XXXX XXXX. I received a letter from Western Union tha it was never picked up. And they would send the amount back to me. It has been several years and I have never received the above {$300.00} to me. 
Whats next?

Company response to consumer: Closed with explanation