BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company offic es of FMR, calling me  from different  XXXX  numbers, talked to representative and it 's not even a debt I owe. Calling other family and friends numbers and leaving messages about trying to contact me. I do n't owe any company and I have blocked several numbers and it has yet to stop. I do n't need to be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: MD
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 initially requested an investigation of a fraudulent debt on My Equifax credit report XX/XX/2018 and Equifax failed to do so. 

On XX/XX/2018 I received an email from Equifax ( as attached ) stating a reinvestigation. It has been over 30 days and the fraudulent debt from XXXX XXXX XXXX is still on my equifax Credit Report. 

XXXX  And XXXX  have both proven the debt to be fraudulent and removed & blocked it from my credit report, but XXXX  refuses to do so without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
Id theft victim. just checked my credit and found this these accounts are not mine XXXX XXXX XXXX  XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo informed us that through their negligence they never properly recorded our mortgage with the XXXXXXXX XXXX  XXXX XXXX County Clerk 's Office, thus leaving our mortgage unrecorded. I reached out to them several times, but they have refused to right this wrong. We closed on our mortgage in XXXX of 2016. About ten days ago I contacted XXXX XXXX the Deputy City Register at the Dept. of Finance and told her of the situation. She spoke with XXXX XXXX of Wells Fargo and told them that they were responsible for the fees and costs of recording my mortgage, yet they still have not sought to rectify the situation. Can you have them rectify the situation? If not, can you put me in contact with the agency that can?

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 2017-07-24
Company: Meridian Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We sold our timeshare from  XXXX   XXXX  in Virginia to     XXXX   XXXX   XXXX    in   2011. As s pecified in the agreement of sale,  XXXX  assumed all previous, current, and future debts. Apparently, there is some claim by  XXXX   XXXX  that we owe them money. Despite repeatedly sending documentation to  XXXX   XXXX  that they should contact  XXXX , we have been hounded ever since    2011.  We were reported to the credit agencies, and we were able to prove to them that we do not owe this debt. Our credit was restored and the debt was removed from our credit reports.      XXXX   XXXX , at some point, sold this debt t o Meridian Financial ser vices. We have sent them documentation, on multiple occasions, that we do not owe this debt. We are called at all hours, all days of the week, multiple times per week. They will not leave us alone.     I would appreciate any assistance that you can give us.

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 2022-10-30
Company: GOLDMAN SACHS BANK USA
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 status incorrect

Complaint:
Dates : XX/XX/22 XX/XX/22 XX/XX/22 Apple Card reported that I had paid late these months, which is untrue. A blatant lie to tank my credit. 

From the day I opened this account with them, I have had automatic full payment every month from my debit card, and these three months, I also had an over balance/ credit of approximately XXXX  XXXX. It would be IMPOSSIBLE to have a credit of over {$1000.00} each of these months and still have a late payment when there was no charge to the card. Make this make sense. If I have overpaid and have XXXX accounts, how does one make a late payment when mathematically impossible? 

Apple Card has been conducting itself fraudulently continuously to ensure that it can not open another card and leave them because they are exploitative and disgusting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I mailed dispute letters from my place of residency to all three credit bureaus did not receive any responses over the 45 day max period. I am using XXXX XXXX XXXX XXXX as a credit repair service. They informed me to file a report with your company. The original lettrs were mailed out on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I work for a franchise. I received an message from a franchise with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Send Letters Talked to the debt collectors expaling the debt did 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 2015-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
I made 3 payments to my credit card XX/XX/XXXX and the last one was after my due date to be applied for the next month it was never applied and I was charged a late fee when I spoke with a supervisor for Capital One by the name of XXXX she explained to me that it was not within my billing cycle and it will NOT be accepted for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
WellsFargo closed my Personal and Business account without a notice or a warning. 
I went to a branch to withdraw some cash and the teller informed me that both my accounts ( Business & Personal ) have been closed by WellsFargo. 

I called WellFargo Risk management more than 10 times to get information about my account closure, they could not give me a proper answer. 

The Risk management called me days after my account closure, said they will hold the funds in my account for a couple of weeks, then send me a cheque for the remaining balance. 

My business is legit, registered, licensed and comply with XXXX programs.

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 2021-01-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I emailed Wells Fargo to ask that they work with XXXX to locate the payment from XXXX that XXXX claimed it never received. 
XX/XX/XXXX I called the Wells Fargo 's credit card division and asked that they research the chargeback item from XXXX. 
XX/XX/XXXX I emailed Wells Fargo asking for a status update on the XXXX credit card transaction that XXXX said they did not receive XXXX XXXX I sent an email to Wells Fargo asking for assistance on finding out where the XXXX debit to my credit card went. I requested they direct the payments from XXXX to XXXX XX/XX/XXXX call placed to Wells Fargo credit card research. Wells Fargo XXXX XXXX XXXX offered to escalate the issue for further research. 
XX/XX/XXXX - Received letter dated XX/XX/XXXX from Wells Fargo that outlines the transactions that occurred. The letter did not offer clarity as to where the XX/XX/20 payments went Messages left with Research and Remediations Analyst XXXX XXXX XXXX XXXX X XXXX ) on the following dates went unreturned XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/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 explanation
Consumer complaint received 2015-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Experian credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Well i was suppose to recieve a package from XXXX i never recieved such package i at that point file a dispute with my bank i contacted XXXX they told me thst my bank was responsible to refund my money but chime refuse to refund my money i have provided screen snoots ofmy conversation with XXXX and they still fail to acknowledge there is an issue. I have given the multiple opportunities. The amount was XXXX on the XXXX of XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After graduation I had a few months until I needed to start making payments on my private loans. When the time came I went to XXXX/Navient to ask for my options, they gave me two : 1. pay the amount or 2. give us about {$2000.00} and we will freeze your account for 3 months and then you can start making payments. Neither of these were feasible to me because I did not have a job! So I did the only thing I could do and not make a payment and ignore their calls, stupid I know but there was nothing I could do. After a while of phone calls, and emails I finally called they said I needed to make a payment before more damage was done we discussed my finances and I tried again to get a better outcome for myself. Throughout my whole experience XXXX/Navient has misguided, manipulated and straight out lied to me when I when to them for guidance and help from the beginning. I was trying to be responsible and asking if there were options for me and giving me two unrealistic options for a recent graduate at the time. Currently I am still making a payment each month but basically all I am paying is the interest each month and my interest rate seem to just be increasing. I have other federal loans with XXXX and they worked with me and put me on an income based repayment plan. I have no problem paying back my student loans when I can actually afford it. The problem is at this time I can not keep making these payments each month that are not doing anything in bringing down my amount owed. In the end I am simply disgusted with the way I was treated by XXXX/Navient and learning that so many others are going through the same thing as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX took over my original loan and since then have been trying to foreclose on my mortgage. I 've never missed a payment and when I call them they are ver abusive. When I asked them if I 'm being descriminate against they said yes and the reason is because in XXXX 2011 I filed for bankruptcy. I 've been served for closing papers twice and I 've had strips of papers left on my door saying that an inspector was there to see if anyone lived in the property. I hope you can help me fast. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a list of SPS approved appraisers in order to oreder a valuation and XXXX XXXX advised me that is proprietary infomration although they sent me letters stating I have to order from a SPS approved appraiser. IN addition he stated he has to start the process although the letter states I have to order. Also, he stated I can not use a BPO although documentation states an appraisal or BPO can be used. He also stated he can not give me the price of either valuations and that I would just have to order and they will place the billed amount on my account. I have never order an appraisal with out knowing the costs up front. He stated he would look into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX XX/XX/XXXX ; U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, I secured a mortgage with Bank of America ( FHA Home Loan ) as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. In XX/XX/XXXX/XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a full-time student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

The result is that BofA made over {$1000.00} off me, without providing any benefit and knowing the likelihood of having it 's services used under its narrow parameters was marginal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose.

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 2022-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
dear cfpb, i just got a response from XXXX stating that Account from XXXX is accurate and Verified...... i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!!

well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXX XXXX XXXX can see the inaccuracies!

1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX  XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My card was stolen & I received a bill from Macy 's for XXXX men 's items from XXXX NJ store- I never chargedI called thief Fraud line and reported the card stolen - I kept receiving bills & kept calling to take charge off and CANCEL the card - I also wrote XXXX lettersToday I got a call from collections!!!!! They never cancelled the card or credited my accountAll Macy service is OFF Shore not in U.S. - they say they will cancel and never do - apparently they ignore letters as wellThis company can not be trusted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief