BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: CBC Companies, Inc.
State: NY
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:
XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: KEYCORP
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XXXX, 2016, I was contacted by XXXX and offered me to rent my time share weeks from my XXXX in XXXX. After they made a very attractive financial offer of {$70000.00} dollars, I accepted and signed a contract. In the contract, I agreed to pay in advance,. {$16000.00} for the usage/maintenance fees. After I called the XXXX to clarify about this advanced payment, I told them that I did n't have this money. They told me that if I did n't have the money I would sued for breech of contract. After feeling intimidated, I wired them {$8500.00}. They told me that I needed to send them the rest of the money or else I would be sued by their lawyers and I would have to pay a penalty of 10 % of the total amount offered for 18 weeks of rental of my time share that I originally agreed to rent. 
I recalled my wired money through my bank after I suspected fraud. After almost four weeks, I am not able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I booked a vacation with my Citicard credit card for {$970.00}. This was booked through XXXX. Due to the COVID-19 outbreak my trip was canceled by XXXX- including my XXXX, I do not even have a voucher for the XXXX XXXX XXXX ticket. I disputed the charge through Citicard as when I contacted XXXX for the refund I was told to go through my credit card company for the refund, this is also posted directly on XXXX website. I received notification on XX/XX/XXXX that Citicard would Not be refunding me my money. How is this possible when the trip was canceled by XXXX  ( not by me ) and XXXX is starting to contact the credit card company because XXXX never actually paid anyone?

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 2021-10-03
Company: Bread Financial Holdings, Inc.
State: PA
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: Billing dispute for services

Complaint:
There is a Victoria Secret Card on my Credit Report. I never had a Victoria Secret Credit Card. Im a single male. What would I want with a Victoria Sevret Card! They sell Womens items only! Womens Underwear, womens lingerie, womens undergarments, womens clothes, womens swimsuits, etc.. I can assure you I can not wear or use anything that Victoria Secret sells.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I refinanced a loan held by Wells Fargo home mortgage company. It was paid in full by the new mortgagor and the excess escrow funds, totaling over {$6000.00}, were to be refunded to me by Wells Fargo. In nearly a decade, every monthly payment due to WF was made early. When the escrow funds did not arrive after more than two weeks, I called on XXXX XXXX and was told that the status of the refund was unknown, but a check 'is usually ' issued within 15 days after closing. After waiting several more days, I called on XXXX XXXX to inquire about the status of the funds. It seems that the bank 's records indicate that the funds were disbursed on XXXX XXXX, and 11 days later their location was still a mystery. ( How the bank did not know that the check was supposedly mailed a day before my call on XXXX XXXX is a head-scratcher. ) As of today, XXXX XXXX, 2015, more than 3-1/2 weeks has gone by and the bank seems unable to account for my money. I have requested a wire transfer of the funds to XXXX of XXXX other WF accounts ... both in the same names as the mortgage, but WF has refused, stating some concern that the mortgage is in XXXX names, so they can not do a wire transfer. XXXX ... .the names on the checking accounts and the mortgage account are the same XXXX people..my wife and I. 

It is becoming clear to me that WF may be holding my money in a float account in order to earn interest on the funds, while paying me zero interest to the funds owners. If every escrow account is similarly held for at least 15 days, and perhaps longer, the total figure is substantial. A bank who invests substantial money in creating software that bounces the maximum number of checks in an overdrawn account ( to maximize the fees they can charge ) gets little benefit of the doubt from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I was at the Navy Federal Credit union and the teller was extremely rude and even tossed my receipt at me. I was making a deposit for my mother at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I..XXXX..am DISPUTING THIS CF-GOV CASE # XXXX ; where as the discrepencys of Wellsfargo training there hired venders, and there Employee 's trasspassing on my real proporptys, violating the Us protection Privacy Law 's of the United State 's of american over the phone , and there Contacting systems locacated in out of US State, And World wide.. : These employee 's state they donot have to give the State or Federal tax Id # 'x or proof 's of acklly working for Wellsfargo, or are not required to have a State Number with they are targeting consumers on the collection 's on Mortgages, or they state they also do n't have to give there Federal Finance Registrations ID numbers independently operating against FHA/HUD, Or VA Loans. The Crimes of changing the these Loan Address 's to aquire other people 's real propertys, I really belieave these are Federal crimes., And the US Government is not doing anything about it to protect the US Consumer 's privacy 's or inforcing compensation 's for hardships placed on Consumers from there opperating praces in a fuadulate manor also know as racketering, and international laundring of fund transfer 's. // case # XXXX -- -- WELLSFARGO-XXXX ! ... ./ used-court : to rob me, restraine me from my propertys-they moved, took my house items then, lefted i went to court/they did-not appear/judge cooper dismissed the case and told me to return home? I was never helped in paying this loan from XX/XX/XXXX to XXXX and my personal propertys were never returned, nor did the Insurance compenstae me me at that time ; XXXX XXXX '' When she lefted : On return : XXXX XXXX Sheriffs break out the glass doors : my bank account informations address 's had been stollen ; changed to a XXXX address of XXXX XXXX XXXX XXXX XXXX, ILL.,XXXX, had been paying also a on a $ 300,000ins-policy that was on the mortgage payments on me : have been spearheaded-buy peoples that have been fruading me, free legal attorneys-AZ, Bank accounts, XXXX retricted me from having an account in the-bank-over XXXX were taken. ; XXXX XXXX per the US Passport agency:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a third party or a company, I am a victim of identity theft please attached Driver License and my passport, my social security card I lost a few years back.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX REPORT. They claimed that they have sent a consumer report but I have not received anything at all.

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 2020-06-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/2019 Midland Credit called my cell phone and did not verify any information before disclosing they were a collection agency and calling regarding a XXXX XXXX account. My phone was on speaker phone as I was in a meeting awaiting a call from a Vendor. My entire XXXX XXXX  heard that I had a debt, which I did not know anything of and still unsure if it's mine. I advised the representative that I couldn't talk and she didn't know who she was speaking to and she continued to demand I pay my debts. I told them not to call my phone any more. They called back again ( I do have proof of the phone calls and screen shots ) and again, did not verify any information and demanded I pay a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I still have unresolved issues with my first complaint along with new complaints see attached documents. 
We have refinanced with a new mortgage company. 
Please help us wth these issues that have remained inresolved with Caliberhomes mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Complaint is against Village capital Investments. I keep getting notices that we are being charged late fees for payments that have in fact been received on time. I have it on automatic Bank payments, I spoke to my bank who said they have proof that they have received every payment on time but the company chooses to wait 10 to 13 days to cash the checks, to be able to keep charging us the late fees. When I have called numerous times to get this issue resolved I keep being hung up on or told to call their legal department without being given the phone number then hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Colony Brands, Inc.
State: MI
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:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Reporting information that should not be reported on my credit. 

I do not owe XXXX XXXX  {$1200.00}. I got a letter from them stating my balance is {$0.00} WHY ARE THESE CREDIT REPORTING AGENCIES REPORTING THIS INFORMATION? 

UNDER 15 U.S.C. 1681c ( a ) Information excluded from consumer reports ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status... 

THE NAME HAS NOT BEEN EXCLUDED FROM THESE REPORTS.

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 2016-11-21
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began with XXXX XXXX back in XXXX. I began teaching in XXXX. 

1. Began repayment in XXXX on loans 2. Paid until XXXX 3. Went back and forth with schooling and having to add units to my credential to keep it current. Put loans in forbearance. 
4. Began paying again in XXXX and in XXXX had to file XXXX XXXX, loans were with XXXX XXXX, during Chapter 13, over {$13000.00} was paid to XXXX who held the loans. The payments totaled enough to cover the 5 years. 
5. Came out of XXXX  XXXX in XXXX and loans were held by XXXX and began paying. 
6. In XXXX I began a XXXX and had loans, I consolidated these loans to qualify for Public Loan Forgiveness.

Now with the Waiver, and according to the language " all payments will count, partial, late, zero and wrong plan payments ''. I should be credited my 5 years worth of payments and be done with my 120 payments. 

I am told that because it was reported as in forbearance those 5 years do not count, yet payments were made. 

In addition, every time I called Fed Loan in regards to the high " qualifiying '' payments I was making, they put me in " general forbearance ''. which too does not count. 

Fed loan, never has the same information, every time we call. My wife and I both have loans with them, and we have had nothing but issues with trying to get the proper payment plans, and being put constantly in forbearance. 

The waiver 's language " any payment, no payment, partial payment and wrong plan '', should mean forbearance as well. 

WE have been deceived by the Loan Servicer. Fed Loan makes more money if the borrowers go into forbearance, so they pushed us there every time. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a checking account with Citizens Banks since 2006. The terms of the account was that if I have direct deposit from my paycheck the account was to be free of charge. Recently, I have noticed that I am being charged a servicing fee of $ XXXX/month. I would like to close this account and have all these fees waived since that was not part of what I agreed to. I have already cancelled my direct deposit from my payroll. I feel the charges are inappropriate and taking advantage of the consumer. 

Also, I have tried to change my name many times and they keep loosing my information. My new name is XXXX XXXX XXXX, no longer XXXX. I will attach a copy of my drivers license.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: ERC
State: CO
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:
This was opened by XXXX on XX/XX/2016 but I did have this service for over 2 years and when the account was closed I had no pending payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This Weltman Weinberg & Reis Co LPA ( collection agency ) keeps calling my employer work. This is happening every morning from number XXXX. Please stop harassing me at work. I do n't owe anything.. If I do please mail me information pertaining to these unsolicited calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from ERC, which I see is a debt collector. The keep leaving messages on my cell phone to call them back. Thing is, I do n't have any debts. None. No credit card bills, my house is paid off, etc. I 'm not a debtor. Why do they keep calling my cell phone number over and over again?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: VA
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. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax continues to send me a letters stating the identification information I provided does not match their records. I sent a clear copy of my Driver 's License and Social Security Card. Equifax 's latest letter was dated XXXX XXXX, 2015 asking for this same information that was sent with a previous dispute letter. Please assist me in having Equifax delete or verify unauthorized Inquiries and disputes within the 30 day time frame. 

Thank You,

Company response to consumer: Closed with explanation