BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have multiple collections reporting on my credit report for the same creditor, they are various amounts, but they have already been paid and the collection agency is refusing to remove them from my credit report and correct the incorrect information. I have sent them proof of payment multiple times and they have done nothing to resolve this issue Amounts paid were {$2600.00}, {$760.00}, {$360.00} since they were paid so long ago I am only able to pull the cancelled check for the {$360.00} from my online banking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my mortgage with Better Mortgage on XXXX. I was charged the appraisal fee on XXXX, and they're website showed that the appraisal has been ordered. I didn't get any calls from any appraisers, and on XX/XX/XXXX, I sent them an old appraisal ( from XX/XX/2021 ) to see if it can be used in lieu of having to get a new one. I don't hear back from them until XX/XX/XXXX when I'm stated that they can't reach anyone at the bank that did the appraisal. Evidently they worked on this for two weeks. On that same day ( XX/XX/2021 ) I told the adviser to go ahead and order a new appraisal. A week later, I emailed and informed him that no one contacted me to do the appraisal. I was told to wait. Closing was supposed to take place by XX/XX/2021. On XXXX, still no word from an appraiser, the Better Mortgage Adviser emails me stating that I would have to reapply or pay for the lock extension. In the mean time, I submitted hundreds of pages of documents that were asked of me in support of my application, uploaded all of them without any delay, and their web page that with my progress dashboard, kept showing that everything is on track throughout the whole process. I feel that they could have easily obtained a new appraisal had they ordered it when they were supposed to. I feel that they waited too long ( nearly two weeks ), for a response from the other lender. Even to this day ( XX/XX/2021 ), I have not heard from an appraiser. I refinanced or took out new mortgages multiple times over the years, and as recent as XX/XX/2021, and always received a call with a day or two of paying the appraisal fee from an eager home appraising company. I feel that Better should honor the original terms of my refinance application, and complete the loan closing without charging me extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am one of the 143 million Americans whose personal data were stolen from Equifax. Equifax advised me, via website, that I was entitled to a free year of credit alerts through their TrustedID Premier offering. Accordingly, I signed up for TrustedID on XXXX/XXXX/XXXX. I finally received a confirmation Activation email on XXXX/XXXX/XXXX and I immediately did the final activation steps. But I received a web message that said " Product Already Activated. Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. Please go to XXXX to log in to your product. '' Since then, I have tried at least 15 times to log into the TrustedID website, but I always get back a technical message that the web connection does not work. I have phoned Equifax three times since then, and they claimed I was being referred to an escalation team, who would phone me. I have never heard from this team, or anyone at Equifax, on how to obtain the promised free credit alert service. I believe that I am one of millions of Americans who are being purposely misled by Equifax, and hope that the CFPB can help me get the credit service that Equifax promised as partial compensation for their failure to effectively guard my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I RESPONDED TO AN OFFER BY American Express TO GET XXXX POINTS IF I SPENT {$3000.00} IN 3 MONTHS, WHICH I DID.I DID NOT RECEIVE THE POINTS & THEY CLAIM THE OFFER WAS NOT AVAILABLE TO ME ; HOWEVER, ON MY AMEX CARD WEBSITE, THE OFFER WAS DISPLAYED NUMEROUS TIMES DURING THE MONTH.ALSO, A SEARCH OF CREDIT CARD OFFERS FOR THAT MONTH INDICATED THE SAME OFFER.I APPLIED FOR THE CARD 0N XXXX XXXX .I CURRNTLY HAVE HAD AN AMEX CARD FOR OVER 20 YEARS AND ON AND OFF OVER THE COURSE OF XXXX, WHEN I LOGGED ONTO MY ACCT, THERE WOULD BE AN OFFER TO UPGRADE TO A XXXX HONORS XXXX & RECEIVE THEBONUS POINTS NOTED ABOVE.I SPENT THE {$3000.00} IN ABOUUT AMONTH XXXX BUT NO POINTS WERE GIVEN.I CALLED AND SPOKE TWICE TO VARIOU REPS., AND WAS GIVEN A CONTROL # ABOUT MY COMPLAINT. AROUND XXXX/XXXX/XXXX ( XXXX XXXX & WAS TOLD I WOULD HEAR FROM THEM IN 6-8 WEEKS.NEVER DID SO I CALLED LAST WEEK & THEY TOLD ME I WAS NOT ELIGIBLE FOR THE AS I HAD NOT RECEIVED AN OFFER FOR IT EVEN THOUGH I HAD RECEIVED THIS NUMEROUS TIMES ON MY WESITE & STILL DO. I have downloaded various info about the bonus upgrade which is available now & was available during most of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I'm writing on behalf of my daughter. On XX/XX/XXXX she was the victim of a sophisticated scam that first preyed on her mother, and then her. In short, her mom gave scammers access to her phone via the XXXX app. Through her mom 's phone, they texted my daughter ( pretending to be her mom ), and told her " These guys are helping me ; do whatever they tell you ''. So she did, performing a series of XXXX and XXXX transactions on her phone per their instructions ( her mom had done the same and lost several XXXX $ ). 

Her mom appealed to Wells Fargo 's fraud department right away, filled out police report, etc. On XX/XX/XXXX, to make things right for her mom, Wells Fargo took {$3500.00} out of my daughter 's account ( in batches of {$3200.00}, {$200.00}, {$100.00} ) to transferred it to her mom 's account. My daughter 's account had less than {$100.00} in it at the time, so she was left with a balance of - {$3400.00}. 

When I called Wells Fargo to ask how they can fix one person 's problem by stealing from another, they simply told me that " She should go talk to her mom ''. Furthermore, a letter from WF in response to her fraud claim told her that she had " authorized '' those transactions and so there was nothing they could do. This does not address the fact that a ) WF clearly took money from my daughter and gave it to her mom, and b ) whether my daughter authorized a transaction or not, money can not be withdrawn from an account if it's not there ; this is not a credit card. So it seems WF decided they only had enough budget to pacify one of the two victims by stealing from the other. 

My daughter filed a CFPB complaint ( XXXX ), but WF responded the same : she authorized these transactions etc. 

As a side note, I am following up on my daughter 's behalf because she is incapable of doing so herself. Besides just having started school again, she is suffering a significant amount of XXXX and XXXX because of this, and fears the collection agencies. 

My daughter 's and her mom 's bank statements are attached. Note the matching XX/XX/XXXX transactions performed by WF that transferred a total of {$3500.00} from my daughter 's account, putting it into her mom 's.

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 2017-10-09
Company: Integrated Recovery Services
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
the guy from Integrated Services used inappropriate language, contact family members told them I wrote fraudulent checks, and makes daily calls. I informed the guy that I did not take out the loan and also informed him of the police report that I filed when my personal info was given out without my knowledge. This guy threatened to call my husband and also knew exactly the make and year of vehicle that I drive ; he also knows very intimate personal info. He knew my whole financial history. I am afraid that they will get me fired from my job. The guy was extremely nasty! I tried to call the company in which they said I owe the loan to, XXXX and XXXX said they did not have the account due to the account being sold to XXXX XXXX XXXX, I called the number and did not answer. I do n't know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
experian and XXXX XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

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 non-monetary relief
Consumer complaint received 2017-10-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a new credit card ( XXXX Credit card ) with BBVA Compass bank few days ago and I received and activated it on XX/XX/XXXX. I registered the new card online so I can fully manage it myself. I had a credit account with this bank long ago which I stopped using since XX/XX/XXXXand was fully paid. I never used that old card and I never receive any new card. While online, I was surprised there were 4 accounts in my name and one of them has a balance of {$1500.00} ( CRC # XXXX ). I called their contact number on XX/XX/XXXX and spoke with a representative who told me to ignore it. According to the representative, the other cards showing were replacement cards. But I never received them, therefore never activated nor used them. He is quite arrogant when I insisted that I never had this card. ( But I printed all what I saw in my monitor ). I decided to cut the conversation and later called again. Next time I called on same date ( XX/XX/XXXX ), I spoke with a lady rep who said the same to ignore it. She told me it 's just nothing. I told her that if it was nothing, why is it generating current statements and even had balance. I printed the latest statement that I saw ( period XX/XX/XXXX-XX/XX/XXXX ). I  told the representative to close the new account I just opened because to me, there is something wrong in their system. I asked the lady to close all account in my name because I believe there is something wrong here. 

Today ( XX/XX/XXXX ), I went online to check if the account were closed but they are still there. And thus I need help in this case. 

I demand that all the accounts that appears in my name be closed and information be taken off their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is for coinbase.com My account is under the email XXXX I sold my bitcoin virtual currency for {$770.00}. It now reflects in the USD balance but now I am unable to withdraw it to my bank account. Coinbase support is utterly useless. Please help me get my money back. I have paid a lot in fee to cash out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX TransUnion, XXXX continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.

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 2021-08-31
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: Account information incorrect

Complaint:
All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: PENTAGON FEDERAL CREDIT UNION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received notification of Credit Denial dated XX/XX/XXXX for XXXX XXXX XXXX. Reason listed states Excessive Obligations. 
Requested a 15 year VA Home loan.

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 2017-10-09
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I checked my credit and noticed fraudulent accounts were deleted, but after the XXXX breach happened, all of a sudden the fraudulent student loans and a car loan are BACK on my credit report. I have been in XXXX  for several years and someone attempted to go to school on my credit expense. In XXXX my XXXX disputed on my behalf and the same loans were deleted, but now all of a sudden they are back. 

Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. 

Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX XXXX store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX XXXX XXXX and hunter warfield who are two different debt collection agencies are asking me to pay different amounts. XXXX XXXX threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX when I received the email from XXXX XXXX and they told me I owed money. I told them I was already disputing the amount I owed with XXXX XXXX XXXX said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX Hunter Warfield and XXXX XXXX all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: GRIFFIN FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Griffin Funding , Inc is promoting to have access to " wholesale VA loan rates '' for their customers. This is deceptive advertising and a predatory lending practice intended to lure in and deceive veterans. There is no such thing as " wholesale VA Loan rates. '' Griffin Funding Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Social Finance, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The CFPB has taken action against numerous banks and debt collection companies for collectors using the talkoff that making a past due payment will improve the debtor 's credit score when, as the Bureau alleges, banks and debt collectors do not know what drives the score and therefore it is a deceptive practice to use credit scores in the talkoff. 

Today, XX/X/2017, SoFi advertised student loan refinancing options by stating that those who refinance saw their scores improve by 17 points. How is that not also deceptive? If banks can not use it for debtors who contractually owe them money, then SoFi should not be allowed to deceive consumers either!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account was opened XX/XX/XXXX with XXXX XXXX XXXX by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XX/XX/XXXX and i found out after the dissolution was made. The file was sold to Midland Funding LLC and i never received notice that it was in debt of {$720.00} and now being sued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I did not make theses inquiries and I just started monitoring my transition credit report inquiryXXXX XXXX  XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX  XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XXXX XX/XX/XXXX inquiryXXXX XXXX XX/XX/XXXX inquiryXXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX/XXXX XX/XX/XXXX inquiryXXXX XXXX XXXX XX/XX/XXXX inquiryXXXX 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 explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.

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