BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a house XX/XX/XXXX, and XX/XX/XXXX XXXX. I have been in and out of work since, and have continued to make mortgage payments to the best of my ability. XX/XX/XXXX, Vanderbilt Mortgage purchased my mortgage, and XX/XX/XXXX I reached out to them to explain the situation and begin the application process for their hardship program. To date, I have not been able to complete the process because XXXX has repeatedly lost or claimed never to have received documents from me and has continued to request additional documents whenever they receive what I have been told is the last set of paperwork they need. Approximately a month ago they finally had all of the necessary paperwork, at which point I was told that the process had to be restarted because it had taken so long. They have called me, as well as my fiance who 's name is not on the mortgage, approximately daily for months to demand repayment using offensive and condescending language and it has become readily apparent that they are operating in bad faith regarding their hardship options. They have refused to accept partial payments and are claiming that because I have been unable to continue to make mortgage payments while they dragged out the hardship application process, I am now in danger of foreclosure unless I pay the entire outstanding overdue amount within the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: WELLS FARGO & COMPANY
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I was trying to sell my bike. A person contacted me through XXXX to purchase the bike. XXXX is my bank 's form of XXXX. Someone from XXXX contacted me and said I had to put in the money into the account to show that I could protect the payment. I took screen shots of the communication. I sent them {$610.00} which was the asking price for the bike. I was told by XXXX I would get my money back and the payment for the bike. 

That did not happen. It was a scam!! I was unaware someone could hack XXXX as it is promoted through Wells Fargo.I lost the money which my mother transferred to me through XXXX. I had to borrow money because I didn't have any which was why I was selling the bike! 

My mother contacted Wells Fargo BEFORE the XXXX transaction went through. She told them what happened and they opened a fraud claim. I also called and made a claim. Wells Fargo let the transaction be completed even though they were told it was fraudulent. 

We have both tried to talk to the bank, spending hours on hold. Three claims were submitted and all denied. They still think I was buying a bike! I was selling. I have the screen shots, they did not care. They do not listen to what happened. They see that my mother transferred money to me and can't grasp the events correctly. We have tried to explain so many times. 

We wrote to the Consumer Federal reserve for help and they sent us to you. 
All I want is my {$610.00} back. {$500.00} of that belongs to my mother. Please help us. Wells Fargo should honor the request to refund the money because it was their website that got hacked. AND they let the transaction go through even though we asked them to deny it. 

Thank you for your time. 

Sincerely, XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I just checked my credit score with transunion and they start deducting monthly fee XXXX us dollar without any email or my approval

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 2022-06-16
Company: LendingPoint Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am writing concerning my attempt to get a corporate loan from Lendingpoint via XXXX. They said the loan was approved, but then required a check showing both the corporation name and my name. I was able to get that for them, as I am the beneficial owner of the corporation per the bank 's records. But then they asked for a letter from the IRS declaring that I was the owner of the corporation. That isn't possible for a corporation since the IRS has no such visibility into the ownership of a corporation. So either they have someone handling the loan who isn't trained very well or they are denying me the loan for some other reason which they are not disclosing. 

After explaining that to them, they then required a letter from the bank, again saying that I was the owner of the corporation. The bank sent them a letter stating that they could not divulge the owners of an account under federal law, so what they're asking for is illegal. In any case, a privately held corporation 's ownership is not public record. If they call the registered agent and stock transfer agent ( my husband ), he'll tell them I own the majority of the shares. But the bank doesn't have any visibility into the current ownership of a privately held corporation and neither does the IRS and neither does anyone else besides the shareholders and stock transfer agent. 

The ownership of a privately held corporation is not public record, and that information is pretty much only available from the corporation itself. Lendingpoint should know this, and they should know they're acting in violation of the law. I can't really believe they're that stupid, so I can only conclude they're hiding the real reason for denying the loan. 

From the IRS : " While it is possible to do things like call the business and ask for the owners name, the IRS does not have any independent, direct information about the owner of a corporation. '' I am also not the registered agent or the original incorporator, so the state doesn't have any direct knowledge of my ownership, either. I purchased all of the stock in a private transaction about five years ago. I have a spreadsheet that tracks the share ownership, and I'd be happy to send that to them ( but that only proves I can put together a spreadsheet ). 

There are two people and a spreadsheet that know the current ownership of the corporation. I'm one of them and I'm telling you I own the majority of the shares and I'm the beneficial owner as well. Another shareholder retains 1 % of the shares, and that's my husband. He'll tell you the same thing. 

Please provide the real reason for denying the loan, as you know very well that the verification that you're asking for does not exist and is illegal for the bank to provide even if they did have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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: Information belongs to someone else

Complaint:
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of XXXX. 
I am also a victim of the XXXX  BREACH.

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 2022-02-21
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-06-16
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ data international called me on XX/XX/XXXX and XXXX, XXXX, and told me that I owed them around XXXX dollars. On the phone call on XX/XX/XXXX and XXXX, XXXX, I requested to send me written documents about the debt to validate the debt and the agent refused it. They claimed that they have already sent me the written documents, but I didnot received it. I requested them to show me the proof to prove that they did send me mails or emails. They refused it. I requested them to send me again by mail, they also refused it. I don't have enough information to validate the debt and I also don't know their mailing address to send them a letter to request the information. And they also reported this debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* TODAYS DATE:XX/XX/XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a couple disputes with my account ending XXXX with wells fargo and they closed that account and they reverse the claim and added to my account XXXX I was told that if there are disputes on a account the account will not close also this has cause me alot of stress i would like for them to fix the issues and i believe that wells fargo old me money. 
I wish some one can audit they system to see the issue

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 2021-07-25
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union ( NFCU ) Stated that I exceeded by credit limit and the balance carried over to next bill. This is not true. I always pay my credit card off every month as I did a week ago. During the pay off last week, I had a credit card fraud, so NFCU cancelled my credit card and issued me another credit card. During this transition somehow it showed I exceeded my credit limit and the balance carried over to the next bill. XXXX  and XXXX  lowered me and my wife 's credit score by 35 points - now at XXXX. XXXX/XXXX/NFCU needs to correct this immediately. My credit score should be XXXX and my wife 's should be XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/XXXX I purchased an automatic litter box for {$89.00}, and paid through Paypal. I received a confirmation of purchase stating the item was coming from XXXX. Would not have purchased if I had known that. I never received the item and disputed the charge with XXXX credit card. They removed the item from my account. Paypal sent XXXX a notice stating I received the item and the {$89.00} Charge was put back on my account on XX/XX/XXXX. I contacted them and told them i never received it and they would not do anything. They said I need to send them documentation which I did on XX/XX/XXXX after contacting the USPS directly regarding the shipment I supposedly received. Not only did this package not get delivered to me, but it weighed 5 oz. The litter box weighs about 50 lbs. So obviously whatever was shipped was not what I ordered and was not even delivered to me. I have contacted XXXX 2 times after the initial call. The first call they said they hadn't received the documentation yet and the 2nd call on XX/XX/XXXX, they hung up on me. I just need to be protected from scams when using my card and obviously XXXX does not do that. Complaint for XXXX was denied because they said it was past a date from the purchase so I am complaining about PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 had an auto loan with XXXX XXXX XXXX XXXX originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected 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 non-monetary relief
Consumer complaint received 2017-01-26
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Progressive Management System failed to let me know on the first attempt what my " debt '' was about. Second attempt spoke to my son who is the patient involved and was told the wrong amount. On the third attempt I figured out that the two letters where in regards to two accounts that where pending due to insurance verification. Two days prior to the call I placed to question the debt, I had already established a payment plan with the medical company. I had paid partial on both bill. There were no letters of notification that there were going to send them to a collection agency. XXXX., the account representative for Progressive management system, was very rude after I clarified with her that the account in question was already partially paid. She raised her voice and insisted that I was going to get a call for the bills if it was not resolved with the XXXX. I explained to her again that I had a payment plan in system and I had no idea why this was in a collection agency. Again, she raised her voice and became agitated and rude and told me that she was forwarning me that I would pay to them because they had a contract. I explained that this was between them and the medical company because I was n't even aware that this was being sent to a collection agency. She told me to stop having an attitude and that it was n't her fault that I could n't pay my bills and she was only there to help. I felt very unconfortable and threaten because she kept telling me she was forwarning me. I felt like I was going to lose my payment plan already established and be forced to pay the collection agency. Once I hung up, I called the medical services and spoke to the agent I had established the payment call with and said that my case had not been referred to a collection agency and that my payment plan was still in place. I was left confused and threatened by XXXX. from Progressive Management Systems .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Please removes these accounts as soon as possible Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ARE RECEIVABLES

Company response to consumer: Closed with explanation