BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
-received a letter from Northwest Bank XX/XX/XXXX in short switch your checking accounts to new paperless electronic statements " Affinity Checking '' or get charged $ XXXX. for each account paper statement. 

-enrollment online process had a myriad of problems but completed by XX/XX/XXXX with tech support and email confirmation XX/XX/XXXX received in the time frame. 

-bank not honoring the statement on the original letter dated XX/XX/XXXX received by me XX/XX/XXXX in bold print stating " Enroll all your Northwest accounts by XXXX XXXX to get {$10.00} '' -multiple complaints and grievances made, they refused to give a reference or complaint number for each complaint at my request, last complaint was XX/XX/XXXX, always told will give to Complaint Resolution Team,  they never respond and several months later it remains unresolved. I have not received the {$10.00} promised for any of the 3 checking accounts I enrolled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In reviewing my credit I found that Diversified Consultants was claiming that I owe {$450.00}, On XX/XX/2020, I mail a letter to them informing them that I am disputing the information and I would like them to send me additional information this alleged debt. After month past, and I did not received a response from them and I sent them a second letter asking them to send me information on this account. I would like to resolve this matter and I have tried to reached out to them on several occasions asking them to verify the information, If they can send me information that this account belongs to me, I would had a problem to set-up a payment arrangement or a settlement. I have reach out to another Debt collectors on a other Item I had on my report and I have received a response from other debt collectors. they send me the information that I requested. A couple days later they provided me with the information, I later called them and set-up a payment plan and the account is now resolve. Since, this attorney/ Debt collector has not been able to send me proof that this is my debit, I have given them a several months to provided verification that the alleged debt is mine. The debt collector continues to ignore my request. I don't know what else to do. I don't want to feel like I am being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX/XXXX/XXXX I took a car loan of {$16000.00} from wells fargo services dealer. 
Till this date XXXX/XXXX/XXXX i have pay more then that loan amount of {$16000.00}. 
My car value is way less then what i owe, and the remaining balance keep increasing. My bill amount it always vary. 
I think that if i have pay more of what my car loan amount was they should just clear my debt. 
But they do n't want to believe in my math calculation they do n't care they said, that they do n't know where am getting those numbers. 
I told them i added all my bills payment since the day i started to pay my car loan.They reply back that they not allow to do the calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage payment made through XXXX XXXX XXXX bill pay on XX/XX/XXXX. To date, Wells has not posted this payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
my grandmother and i applied for loan modification ten years ago different lenders took over loan also i recieve check from florida hardest hit program the balance remain o ve one hundred thousand dolla rs the mortgage company has falsely reported me into collections my uncle and i are being harassed we submit payments every month the balance remain same ov er hundred thousand doll ars we are  XXXX  the principle almost at  eight perce nt where we could not never pay the mortgage off thanks please help me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a new Paypal account after Paypal kept using my bank account to pay for transactions and refused to remove it. I opened the new account and received 2 payments. Immediately, Paypal froze the funds after deducting fees and while holding my money ransom, they're now demanding government ID, social security numbers etc. I refuse to provide such sensitive information to an online platform as I do not know what they will do with it or how secure their systems are. I offered to provide proof of shipping but they're refusing to release my money. If they wanted ID and other personal information, they should have requested this before creating the account, before  accepting my money and before charging fees. XXXX from customer support now says they will refund the money to the payer. What about the fees they deducted? What about the items that were shipped to the customer? Who compensates me for Paypal 's bait and switch tactics? It's impossible to get through to Paypal 's customer service and I've tried calling and emailing them multiple times. This business 's practices are extremely fraudulent and deceitful. I want my money released as they have already deducted fees and customers have already received their items. It's illegal for a business to take my money on one set of terms, then demand items I  never agreed to and now refuse to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: WELLS FARGO & COMPANY
State: TX
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:
Defective Goods were returned to XXXX Apparel, I have submitted documentation to XXXX XXXX, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX proving that XXXX received and signed for the returned defective merchandiseXXXX XXXX continues to contact me regarding debt that I do not owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
unfortunately no one has contacted me, I 'm angry and frustrated with this situation, you really need to do something with this BANK Wells Fargo, almost 3 months of this problem and not call, no one left not knowing me what has happened with my dispute case that I place from XXXX XXXX 2016 I 'm attaching you again the information. 
they just telling me is nothing, only that they waiting for responds!!. and me too I 'm waiting for answers and results!!! 


XXXX XXXX/XXXX/16 XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel

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 2017-12-14
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:
Experian report # XXXX dated XXXX XXXX, 2017 has XXXX HARD HITS on it due to the fact that EXPERIAN is reporting incorrect information and damaging my FICO score. Causing bank XXXX to repeat inquriues This must stop and be corrected.

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account is not my account and I don't know who's been using this card or paying on it but its not my card. I've called Chase over and over but they haven't taken any steps to remove this from my credit report. Please remove this card from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA loan through Bank of America. 
In XX/XX/XXXX, I filed for chapter XXXX bankruptcy. ( XXXX XXXX XXXX XX/XX/XXXX ) In XX/XX/XXXX, I was laid off due to Covid-19. ( See separation letter on company letterhead ) In XX/XX/XXXX, I requested Bank of America for forbearance due to hardships caused by Covid-19 and the inability to pay my mortgage. Bank of America did not respond or comply ( SEE CFPB case history ) In XX/XX/XXXXof XX/XX/XXXX, Bank of America filed a request from automatic stay to the Chapter XXXX bankruptcy trustee, which was granted. ( XX/XX/XXXX ) In XX/XX/XXXX, Bank of America put my mortgage into foreclosure. ( SEE CFPB case history ) In XX/XX/XXXX, Bank of America began reporting my mortgage past due to the credit bureaus. ( SEE CFPB case history ) In XXXX, I again asked for mortgage forbearance. Bank of America said they could not speak to me. ( SEE CFPB case history )

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 2021-10-27
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2020-04-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Been a customers of citi bank credit cards have numerous cards with them. 
We called in the beginning XX/XX/2020 state we are small business affected from COVID 19 they said they would note the accounts and I would be able to make Payments because we are affected by the nation wide locked down I called them they stated they saw the notes but dont have any progress for COVID 19 affect My credit score Nevee missed a payment We called 5 time before They picked up Wait times horrible customer service misleading

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 2021-10-27
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX was the place I went a few years back after a XXXX XXXX XXXX XXXX, for XXXX XXXX. I got a lawyer, XXXX XXXX XXXX, and they said " this was never found in the discovery period. ". I have TRIED to pay this to XXXX XXXX XXXX, but their phones are off and business closed! There is no way to contact them. So they, without notice, sent me to a collection agency of Cornerstone credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Reporting company used your report improperly

Complaint:
TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
JEFFERSON CAPITAL SOLD ZOMBIE DEBTS TO XXXX AND VIOLATED THE DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XX/XX/2020 XXXX CO XX/XX/2020

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 2022-09-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding is attempting to collect three credit card debts that have been negotiated and settled with the credit card companies DIRECTLY. LVNV Funding is FRAUDULENTLY reporting accounts that it has no legal right to report nor attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : XXXX XXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate name : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK  XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-07
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northstar Collections (? ) phone XXXX called my number trying to reach XXXX XXXX. We have had this number for almost a year now and there is No XXXX or XXXX here. The guy said they were given this number and acted like it was my fault someone lied to them. 

CHECK THE XXXX OWNER OF A NUMBER BEFORE YOU CALL ....

Company response to consumer: Closed with explanation