BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I  applied for a credit card from Wells Fargo on  line and was approved within a minute. On     XXXX   XXXX   XXXX       I received my credit card. On   XX/XX/XXXX  morning I tried to activate my card on line which was de clined mentioning that my social security number did not match the card account number. I  called the phone # on the card to activate and was forwarded to another telephone #. I was told that there was a block on my card and the card was close d. The card was closed even though I had not yet activated it. I asked for information about the block and I was told she did not have information. On the  XXXX  afternoon I called again with the intention of talking to a supervisor. I talked to someone called  XXXX   (?  ) who told me that I had to go to a bank and have a bank vice-president certify and vouch for my   authenticity. I asked him if it was a common procedure at Wells Fargo and he said no. He was unable to give me reasons why I was selected for authentication.
My complaint about Wells Fargo is selective discrimination in their treatment of card holde  rs.

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 2020-10-07
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX I contacted Dovenmuehle Mortgage to inquire about their forbearance options. after consideration, i declined however they placed my loan into forbearance based on my inquiry alone and ceased accepting automatic payments without my knowledge or consent. 

Thereafter my loan was reported as delinquent to the credit bureaus witch has resulted in lowering of my credit score significantly. 

When i contacted them in XXXX, i was told there was a system issue and they will not charge me any late fess, however they " accidentally '' reported me to the credit bureaus as late. They were going to fix it right away, however i did not see a change in the credit score for over 3 months. I called again in XXXX to inquire about them fixing my credit score only to find out that they placed my loan into forbearance again, stopped my automated payments and charged me a late fee, and could not explain why i was charged a late fee if i was enrolled in forbearance. 

Also, when i asked about the fixing of the reported information to credit bureaus, i was told they are short people and do not have an estimated time when it will be fixed. 
We are in the process of selling the house and are unable to purchase another one due to the low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury & this has caused deformation of character & has hurt my ability to obtain credit.

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 2022-09-12
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for  XXXX   XXXX   XXXX  tv/internet then a week later got a job offer in another city where I now live, so I cancelled the  XXXX   XXXX   XXXX  service within the first month period.  XXXX   XXXX   XXXX  had a 1 month trial where it is free if you cancel in the first month ... Even though they claim its a free trial the terms require a {$50.00} " fee '' for the services in which I was happy to pay because I received service for the month. Not sure why they are claiming I owe {$100.00} or what it 's even for. I returned all my equipment and called them and was told I was all set ... This is a  XXXX  " bully the little guy '' in hopes the little guy pays instead of spending $ in the wasted time refuting the charge.  XXXX  did the same  XXXX  thing to me when I left them due to being overcharged every month .... The  XXXX  debt collection was removed from my credit report a little while back because they have no basis for a judgement, just like  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This happened 2 years ago. My spouse and I were threatened multiple time over the phone. It got so bad to were one worker threatened to physically harm us. The repeatedly called my phone they even called my job.Even a woman called threatening that we wouldnt get a house, the we would be homeless if we didnt pay. Im praying that all these calls were recorded .This was originally a {$300.00} from town XXXX XXXX XXXX late XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In In XXXX of XXXX I lost my job due to Covid-19, I called my mortgage company, Sterling National Bank, in XXXX and asked them if there was anything that could be done. I was told that I could miss two payments and that the payments were going to just be added to the back of the loan and there would be on issue due to the fact of Covid. I missed XXXX and XXXX and then continued to pay my mortgage in XXXX. I found out in XXXX that I was put into " Lost Mitigation Forbearance '' for missing payments. 

I called Sterling National Bank numerous times, explaining to them that I was told I could miss the two payments and that is was illegal in NYS to do what they had done, to no avail. In the mean time they held onto my monies, in an amount of over {$10000.00}, and did not apply them to my mortgage. My mortgage continued to accrue interest all this time. In XXXX, I was told that the only way to get out of this was through a loan modification which add additional fees and extended my loan another 30 years, which is illegal in NYS. In XXXX of XXXX I finally got out of Lost Mitigation. In XXXX of this year I called them to rectify this situation, but it fell on deaf ears. 

On XXXX of XXXX my balance was {$320000.00} and in XXXX of XXXX my balance is {$320000.00}. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, 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:
Looking over my credit file, On XX/XX/2018 there was a hard inquiry put onto my account. I did not authorize said inquiry with the company XXXX. This is fraud. I called the company a few months back they said they would remove It. I looked today XX/XX/2018 and it Is still on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an account with a car dealership before the year XXXX, last transaction on that loan was XXXX. It's still reporting on my credit as and owed debt. It shows transaction was taken XXXX XXXX XXXX. Which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Complete Credit Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Elevate Recoveries, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company ELEVATE RECO XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ELEVATE RECOVERIES LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer of PHH since XXXX. This month ( it is now XX/XX/XXXX ) I have not yet received a bill for XX/XX/XXXX. The usual amount is {$780.00} and I am close to paying off the loan in its entirety. I have never failed to receive a bill in a timely fashion in the past 17 years. In fact, by this time of the month I would have already received 2 bills for the following month and would be preparing to mail in my payment. PHH has a reputation for trying to foreclose on mortgages that are current.

I have phoned PHH at XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXXI was advised that no billing has been sent out. I also was strangely differently advised by another PHH phone representative, that my bill had been sent out on XX/XX/XXXX. I immediately requested that a duplicate bill be sent immediately. I further requested that a bill be sent by First Class Mail, email or fax immediately to me so I can pay on time. I spoke with an individual from the XXXX or XXXX twice I think on a very poor quality connection. I was also inappropriately advised that my payment would not be considered late until XX/XX/XXXX. I pay my bills on time, always. I pay them by the first of every month. Due to the poor quality and incomprehensible calls ( 2 of them to either XXXX or the XXXX XXXX by my request I was transferred to another individual. I have had previous experiences with PHH and have even had to involve a lawyer because of illegal and deceptive practices. 

make no mistake about this : I have NOT asked for a forbearance. I am aware of RESPA laws that in case of any mortgage servicing changes I am required to be notified of any such change. So I know that no servicing change could have occurred. 

Eventually I was transferred to XXXX in the Escalation Department on Thursday XX/XX/XXXX. She promised me an immediate bill by mail ASAP, email or fax. She has all of the relevant information to get this done. She promised to call me and has not done so. 

I demand PHH immediately send me a bill for XX/XX/XXXX. I suspect illegal activity and criminal behavior on the part of PHH. 

Thank you for your consideration in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: AES/PHEAA
State: PA
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:
In  XXXX , shortly after I graduated in  XXXX , my mother had me reconsolidate my student loans. At the time, they were unde r American Education Services. After reconsolidation, they were transferred to FedLoan Servicing. I did not understand what I was doing, to be honest, and thought my loans were all under American Education Services still - so I was not aware of my loans under FedLoan Servicing. They claim they tried to call me, but apparently all of the calls went to my spam. Therefore, they went into default. When I finally became aware of them, I tried to set up some sort of repayment but they told me I had no options. As the late fees and past due payments were too much for me to pay upfront, I fell behind and default a second time. I am trying to figure out what my options are to bring the loans into repayment. I contact them repeatedly and each time I either am t old I have no options and I either have to pay the full amount or it will keep increasing in the amount I owe or I am transferred endlessly between departments with no one able to tell me what my options are. Each department tells me something different and transfers me to a new department. This ha s ruined my credit score and my rental applications are being denied because my student loans are in default ; I am currently sleeping on friends ' couches as I have nowhere to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen in 2018. The thief withdrew and spent nearly {$1500.00}. Bank of America has footage of the theif withdrawing my funds at their atm but stated because the atm is one that I used before they will not process my claim. This is negligence considering it is more likely my card would have been stolen in an area near where I lived or I frequent so stating that the thief used an atm in an area I also used an atm at is is not a substantial reason to refuse to process my claim. Especially since they confirmed the person on camera at the atm withdrawing funds was not me

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 2022-04-05
Company: Nationwide Recovery Systems, Ltd
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Company, XXXX XXXX  never submitted this covered Claim to XXXX and to my XXXX XXXX XXXX XXXX XXXX XXXX Coverage. 

I have no idea for I talked it to the local office and received no local call about it. 

Not one call too from a XXXX XXXX XXXX XXXX too. 

I assumed that it was being covered by my Insurance Policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-02
Company: EQUIFAX, INC.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor are they related to anything I did. Im unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
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: Account status incorrect

Complaint:
account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/18 {$110.00} was taken out of my account from XXXX XXXX without my permission. I did not set up any payment arrangement with XXXX XXXX. 

Taking this money from my account put me in hole financially.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation