BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector is Remex Inc. located at XXXX XXXX XXXX XXXX, NJ XXXX. Remex illegally reported my medical debt before the 180 day period according to the Medical Debt Relief Act of 2016. The debt went to collections XX/XX/XXXX and was reported to the credit bureaus in XX/XX/XXXX. When they were notified that the debt should not have yet been reported since it was medical debt that was less than 180 days old- they said that they would not correct their mistake and notify the credit reporting agencies. 

They then tried to manipulate the situation by saying they could get the debt removed after it was paid. However, I informed them that after a debt is paid it is unlikely to get removed by credit bureaus. Since the debt should not have been reported yet, they needed to remove it and then I would pay the {$59.00}. 

Remex then lied and stated that the law says they can report medical debt 180 days after your doctors appointment rather than 180 days after the debt goes to collections. When I informed them that I was aware of the law, they continued to make misrepresentations and being contentious by telling me to call the credit agencies instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I applied for a rental unit and was denied. That made me discover this item on my credit report. I am not familiar with this creditor. I have a great payment history on all my accounts. That is not my account with them. They have ruined my credit report. I do not owe them any money. 

The creditor-IC Systems INC XXXX XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, XXXX XXXX  checked my personal credit without my given consent On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX checked my personal credit without my given consent On XX/XX/XXXX, XXXX  XXXX XXXX checked my personal credit without my given consent

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 2017-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview Loan Servicing has violated several federal and state laws when providing responses to multiple complaints and Qualified Written Request filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing ha s also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In XX/XX/2020, I filed a dispute with XXXX XXXX and Transunion credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you

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 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I worked things out with the company and wasn't suppose to receive a 30 day late. XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AllianceOne Receivables Management , Inc. is attempting to collect a debt that is erroneous and not owed. I have filed numerous complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX ( XXXX ), XXXX, XXXX, and XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the XXXX is considerable. AllianceOne Receivables Management XXXX Inc. is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. AllianceOnce Receivables Management , Inc. is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, XXXX. Court of Appeal 2nd District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate AllianceOne Receivables Management , Inc 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: PNC Bank N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Locked loan XXXX XXXX - Submitted last of docs XXXX XXXX. E-mail from lender docs received XXXX/XXXX/15. my real estate agent ( XXXX ) called me XXXX/XXXX/15 XXXX informed he just got off phone with lender. I called lender XXXX/XXXX/15 about closing I was told I did not meet their requirements. I asked for a denial letter, the letter said Credit app incomplete. lender Closed my app XXXX/XXXX/15. Lender did not notify me Nor did they have the right to close my Loan App. My loss {$1000.00} earnest money and {$500.00} for appraisal. Not to mention my time and everybody else 's. Lender has admitted to making a mistake. HUD contract expired XXXX/XXXX/15 XXXX has to be requested XXXX calendar days before expiration. Extension fee $ 375.00Lender said I would have to re-apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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: Was not notified of investigation status or results

Complaint:
i filed a dispute with equifax and XXXX 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo offers a so-called " Loan Modification ' program but has denied my parents application ( submitted by my sister and I ) on four occasions. Their home of 35 years is now in the process of foreclosure. they were required to pay almost XXXX per month on a loan and still have a XXXX balance on the home. they have had a mortgage with WF since approximately fifteen years or longer. When my dad was temporarily removed from the home, his income followed and paying the mortgage became overwhelming for my mother. Now their home is in the process of foreclosur because Wells Fargo has stated that they did not have sufficient income to meet a modification, never explaining what the sufficient income was, nor did they have any problem accepting the almost XXXX per month from an XXXX year old woman and a XXXX year old man. My complaint is, if they have re-joined their income which equals approximately XXXX per month, and it exceeds the monthly mortgage, what is the legitimate justification for denial. In addition. I have been fighting this battle on my parents behalf since XXXX of 2014. I was able to secure a modification ( which lowered the monthly payment ) therough my own mortgage company. I would never ever allow Wells Fargo to finance anything for me. I would do without first. I do n't know why they even advertise Loan Modification wwhen it is a complete lie. Now XXXX old people who have had their home for over 35 years are now being foreclosed on because they are not being given a loan modification. It should have been against the law to re-finance offering an ARM loan to senior citizens!.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}

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 2020-01-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Using Equifax website and phone line both, I was unable to lift credit freezes for myself and for my wife. When I finally reached an agent some 25 minutes later, I was told their website was being updated. AT XXXX, MST time, I really doubt this. 

I finally got my credit lift squared away. My wife is not home yet so we can not complete the process and we need to do this quickly. 

WHY IS THE GOVERNMENT ALLOWING THIS COMPANY TO CONTINUE WITH PROBLEMS LIKE THESE?? 

IF THEIR WEBSITE IS BEING UPDATED, THEY CAN CERTAINLY LIST IT ON THE SITE AT THAT TIME AND SAVE CONSUMERS ALL THE HASSLES OF TRYING TO COMMUNICATE WITH THEM. 

I HOPE SOMEONE CARES ABOUT THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My credit cards were stolen XX/XX/2016. When I called into Captial one regarding the issue, I was advised that the case had been created and a case specialist would follow up with me within XXXX business days. Once the month of XXXX was up and I did not hear from capital one, I called the credit card company to inquire about my case and was advise the " case had not be opened '' by a representative by the name of XXXX on XX/XX/2016. After I was told the case was not initiated, I asked XXXX to created the fraud case for me. Again, I was advised to wait 10 business days and the case specialist would contact me. 

I did not hear anything by XX/XX/XXXX, so I called back that Friday, XX/XX/XXXX, spoke with someone by the name of XXXX who claimed to be my case manager. I explained the situation to XXXX and let he know the changes from XX/XX/XXXX were fraudulent. She explained that she would need more time to investigate and would contact me in 10 days and I would be receiving a letter in the mail She explained the process and said I would receive a credit in the balance that was fraud. She also claimed that a new card for each account would be sent to me. 

After a week elapsed, there was no credit card. It is now XX/XX/XXXX. I reached out to capital one and was told that card was sent and maybe it is taking a little while to reach me. After another week, I called to have the cards that were sent as replacements canceled and to send another set of replacements. 

( While experiencing this issue with not receiving cards, my account was not credited during the entire month of XXXX ). 

XX/XX/XXXX, I was able to speak with XXXX again and was told that the investigation was still be processed and that I would hear back in 2 weeks. 

In on XX/XX/XXXX, I called back to have checked the status of my accounts and inquire about the location of my cards. When I was routed to customer service the agent asked me to verify my mailing address, which I provided every time I called in, and I advised my cards has been sent to the incorrect mailing address twice. However, since my cards were being investigated, he was unable to process the replacement and I would have to speak with my account manager, XXXX. After being told this, I asked to speak with here to which I was advised she was unavoidable and would give me a callback. 

The rest od the month of XXXX consisted of me calling Captial one to figure out what was going on with my account a trying to get in contact with my account manager. All the while, capital one is charging interest and late fees. 

I spent XX/XX/2016 calling into capital one and being transferred to different departments, so much so, I was unable to keep a record of the calls and dates. The frustration and time spent has been colossal. 

I was and still am unable to get in to contact with XXXX ( XXXX ) and my credit score is being affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX I bought a car from XXXX XXXX XXXX, CA. Iwas a co-signer on a friends car and they let me purchase a cacar but I had to have that friend to co-sign for me and he wasretired. The interest rate was 23 or 24 % I took the car backnext day and told them I did n't want to purchase the car andthey would n't take it back or give me the down payment backCapital One financed the car I called and they told me theycould n't do anything about it. I have struggled to keep payingthe note. I had XXXX years pay off the car XXXX for aXX/XX/XXXX XXXX I just had to file chapter XXXX I did n't know whatto do Capital One could n't refinance the and no one elsewould neither. I already had bad credit and now it 's worseI just filed chapter XXXX in XXXX XXXX I feel like they should besending me the pink slip to the car in XXXX the car soldnew for XXXX. I have to surrender the car now theyshould be a shame of themselves to do people like thatI got played but I prayed for the enemy and now I 'm movingon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account with TD Bank, and had my direct deposit from my check sent to the account to fund the account. I called after my check was paid to me to find out about why I couldn't access my funds. I was told they needed to verify my identity in person, since I opened my account online. 

This would be no problem except closest branch is 3.5 hours away from me!!!!!! 
Why would they allow me to open an online account when they want me to come into an actual branch and they know the closest branch is 3.5 hours away!!! 

They refused to take the hold off my account or to send back my money to my employer, and told me that I would need the employer to reverse the funds. 

I attempted to get my employer to reverse the deposit and they attempted but told me the reversal failed. The amount in questions was {$1600.00}. They are literally holding my money XXXX at this point. 

The account in questions is for me XXXX XXXX XXXX XXXX routing - XXXX Account - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: ID Analytics, Inc.
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:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have an account with this bank. They do not have a in person branch or atm location in XXXX XXXX Nevada or anywhere near within XXXX XXXX. 

I have to transfer money from a different account to this account via XXXX.On XX/XX/2022 I transferred {$240.00} into this account which showed up XXXX minutes late into the account and they have charged me two separate items of {$36.00} over draft fee totaling {$72.00} It is impossible to get anyone on the phone with this bank..wait times are over XXXX minutes and system automatically hangs up on you. the chat version is impossible to talk to someone and it says someone will call you in XXXX hours but to no avail. 

I need someone from CFPB to assist so this company can respond. This is XXXX bank or tourist now. I want them to remove the fees as my funds were in the bank within XXXX minutes delay of the cut off time on that day.

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