BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: American Accounts & Advisers, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not, nor have I ever had a XXXX debt. This debt is from Minnesota. I live in Missouri. It would appear to be in violation of HIPPA considering that the relentless collection AMERICAN ACCOUNTS ADVISORS INC continues to ignore the disputes per this identity theft/ false account that I refuse to be bullied into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Army and Air Force Exchange Service
State: GA
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been paying more than the minimum amount on my credit card statements. Because I pay more than the minimum amount, I sometimes miss the due date and am charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with wells fargo since XX/XX/XXXX regarding my mortgage and my sicuation wells fargo did nothing but toy around with me and waste time buy time by lie and until XX/XX/XXXX they sold my loan to XXXX they are not good refuse to send me statement stopping me to work on my loan and get help from other organization I asked wells fargo for mortgage forgiveness because do to my health issues I will never be able to work currently I am waiting for my benefit to go through. 
wells fargo did not care and did n't look into my situarion. 
I do n't want to become home less if its happens its purely wells fargos fault this loan was a Wachovia loan with been bought by wells fago and currently owned by wells fargo I was cheated and person and the invester who got this garbage are made tun if money and walk free and I am stuck with this loan XXXX is not good they are very slopy and not help

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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was original creditor & was sold to LVNV funding, which asked XXXX XXXX XXXX to collect. Settled with them for 60 % of debt & they agreed to delete off of report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Synchrony Credit / Sams Club card : I continue to pay my bill, at least the minimum amount due each month if not more, but the total interest charges and my balance continue to rise, even when I have not made additional purchases for at least 2 months. Furthermore, I am concerned that I am being double billed interest, as my " Balance Subject to Interest '', includes interest that was previously billed on my account, and is not solely comprised of purchases. This is what I have been told by their chat rep ( which the log disappeared once I told him he did NOT answer my question - XXXX specifically said that although I paid more than my minimum payment in XXXX, it was not enough to cover all interest and principal due at that time, and was not enough to decrease the balance or the interest that would bill the following month ), and phone rep ( who unprofessionally hung up on me after I asked for an easy to understand explanation of interest charged billed on my account ). I understand how interest is calculated, but I would like to know : 1 ) The exact calculation used for my account. 2 ) Why new interest is being billed on old interest by including it in the balance subject to interest? 3 ) Why paying more than the minimum amount due, still results in a higher balance, where is the additional money going? This is unfair that I 'm paying more than I 'm being billed and no longer making purchases, just for the bill to go up month after month. It appears this is being done purposely to collect more money from me ( if not all their customers ) over a long period of time, since my bill clearly states it will I will have paid $ XXXX if I only pay the minimum payment ( which I could see that happening if I 'm paying interest on interest ).

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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX contact XXXX Westlake Financial account number XXXX The loan was paid off and should of been closed wrongful made a payment to them after loan was paid off and they have not given the money back I have had a law write a demand letter months after the incident happened and still no money I am out {$500.00} and it 's been 5 months I made the payment to westlake call over and over talked to my bank XXXX and they said they could n't help because it was trough my the online bank as a wire transfer I told westlake for the first month they said they did no get the payment I should documentation and they said they would send it. Months later I get a lawyer to write the letter they tell him they sent me the money but nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company : American Express Product : Gold Delta SkyMiles Credit Card On XX/XX/XXXX, a " removal of credit balance '' charge for {$81.00} posted to my account. This cleared a credit balance of ( {$81.00} ) on my account. I inquired about this charge a few days later and was told that a check had been sent to me. 

After a few weeks, the check didn't arrive. I figured it may have gone to the wrong address, as I was moving to a new residence around that time, so I contacted the company again. I was told that a new check would be sent to me. I asked the company to confirm the address that the check would be mailed to, and they read my new address back to me. 

After a few more weeks, this check hadn't arrived either. I contacted the company a third time, was told that a third check would be issued, and confirmed the correct mailing address again. 

A few weeks after that ( it's now sometime in XX/XX/XXXX ), I  called back again, as I'd seen no trace of the third check. I was told that I could receive the credit balance refund as a wire transfer to my checking account instead of a check. A wire transfer for {$81.00} appeared in my checking account on XX/XX/XXXX. 

After this, I went back to check my credit card statement and noticed that a charge of {$81.00} was posted to my credit card on XX/XX/XXXX. I now had a debit balance of {$81.00} on my card. I called American Express to inquire about this charge, and was told by the representative that they would submit a claim to the disputes department, and that the claim would be resolved in 7-10 days. 

The claim was subsequently rejected, and the debit balance remained. I called back a couple more times, with the same result ( call in, representative submits a dispute claim, claim gets rejected 7-10 days later ). I've tried to escalate, but the last two times I was told that 1 ) no managers were available at the time I was calling ( when trying to escalate to the 3rd-level representative ), and 2 ) all the supervisors were in a meeting and unavailable to take calls ( when trying to escalate to the 2nd-level representative ). One of the times that I called in, I was told that one of the refund checks had been cashed in XX/XX/XXXX, but I have never received a single refund check, so the only way this could have happened is if I had been a victim of mail theft. 

It's now been four months since the original credit balance removal charge, and I have still not gotten a refund for it. I've lost count of how many times I've contacted the company ( more than 5 ), but I have not been able to resolve this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase Bank refused to honor the stop payment request that I made with regards to this transaction for {$660.00} and my bank is giving a control of my bank checking account to the merchant XXXX XXXX XXXX. XXXX attached documentations from Chase Bank and XXXX XXXX XXXX. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent a letter to dynamic recovery solutions twice to stop contacting me. 

I have spoken to the rep : XXXX XXXX who works for Dynamic Recovery Solutions and told him to stop calling me but they keep calling me. I have blocked the number and still continue to get multiple calls a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Fay Servicing, LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fay Services loan # XXXX I have tried for over a year to get a mortgage modification agreement. They refused on XXXX different occasions to grant a modification. It took no less than 6 months for an answer and each time they would not accept payments but kept on adding erroneous fees. Now i owe $ XXXX and facing foreclosure because I have too much equity. They never return phone calls and they ask for the same documentation over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had issues with Vanderbilt mortgage for several years but the first of 2016 I attempted to get a Reverse mortgage and I was told by a loan officer that as long as I was in a RM I let XXXX go by so that put me in arrears. I was given a loan rep and she said that if I made my payments on time then she would see to getting me a extension, she did not. I have been making my payments ontime and they have accepted them. I sold the house and property and we were due to close on XXXX XXXX. The loan officer for the buyer l called Vanderbilt today she was even given my personal financial information and I lost the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: UT
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:
XXXX XXXX XXXX  re-inserted multiple account information back on my consumer report. Has failed to provide how Wells Fargo verified fraudulent balances and information. Provide the physical documentation that was given that complies with the law under the FCRA that allows you to re-insert the information. Otherwise promptly delete the information back off of my consumer report.

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: Mr. Cooper Group Inc.
State: AZ
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:
On XX/XX/2022, I contacted Nationstar DBA Mr. Cooper to inquire about removing my private mortgage insurance ( PMI ). Upon request, the agent said they were unable to remove it without a refinance. At no point did I consent to a refinance, and at the end of the conversation, the agent told me that it would not be a good option for me at this time. Today, I received a packet from Nationstar that had a loan application from that conversation. At no point was I going to refinance my current mortgage ; especially with the current rate percentages. Nationstar pulled my credit without my permission, and per FCRA, I should have this inquiry removed from my credit report, as this was something I did not consent. Also, the interest rate lock agreement violates UDAAP, TILA/Regulation Z. The buydown points are listed as a discount, fully ignoring the fact that the loan amount is increased to accommodate the buydown points. The section that shows points is the origination fee ; a completely different amount than the points charged on section A on the loan estimate. This section clearly outlines the points as {$9900.00}, which is listed on the interest rate lock agreement as {$1400.00}. This is deceptive advertising ; misleading the consumer into thinking the discount and points are the same amount WHICH THEY ARE NOT. Nationstar is in violation of fair advertising per Regulation N/MAP, because they are not being truthful in the amounts that are being charged to the consumer, and disguising the buydown points as a " discount '', and omitting that value from the " points '' line on their interest rate lock agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: VA
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:
Hippa rights has been compromised XXXX XXXX XXXX and Equifax has violated my rights 15 U.S.C 1681 section 602 A States I have a right of privacy which both company has violated 15 U.S.C 1681 section 604 Section 2 It also states a consumer Agency can not furnish a account without my written permission which has also violated They also said the information has been verified and did not send me procedure of the investigation and binding signature that I had a contract with XXXX XXXX XXXX due to all the violations XXXX XXXX XXXX has violated I'm requesting the accounts be deleted of my Equifax credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information from XXXX is being reported to you all which is inaccurate and needs to be removed from report immediately. XXXX as the data furnisher has willfully continued to violate my rights reporting inaccurate information on my consumer reports. I am filing again with the CFPB to get this matter resolved.

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 2020-01-10
Company: Innovis
State: UT
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:
New issue Requesting from Innovis to provide what verification from XXXX  documentation that complies with the laws under the FCRA. You continuously have stated you verified this debt but have failed to provide what documentation was provided. I am requesting that verification to be provided to me otherwise please delete promptly this information off of my consumer record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had a credit repair service dispute this by sending letters to the original creditor and collection company numerous of times and they refused to stop calling and sending new collection letters from different agencies violating my ( Hippa laws ) and letters were sent to address that portion of the problem too but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
The company is passed validation period of 30 days to validate and or verify the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times. The collector is using a letter and statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from disputes and my attempts to have this debt verified and validated. I also have attached my Validation letter dated XX/XX/2020, again.

Company response to consumer: Closed with non-monetary relief