BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: Receivable Management Group, Inc. (GA)
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an attempt to collect on a medical bill that was and/or should be paid by the State Of Arizona. The medical care was contracted under an industrial injury. The injury occurred XXXX2016. The State of Arizona has an claim # XXXX for payment of this service. 

I have told the practitioner who to contact and how to be paid. I believe the state has already made payment and the practitioner is attempting to double bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I sent money to my brother, utilizing XXXX Surepay through my Wells Fargo account. The system utilizes the recipient 's email and is supposed to send the recipient a notification on how to get the funds into their account. I can not see the destination account. My brother says he got the email, but after following the instructions he could not retrieve the funds. The amount was {$400.00} and this was done on XX/XX/2016. Since he could not retrieve it, I asked Wells Fargo to restore the funds to my account. XXXX claimed they could not do that. So, the funds are not in my account, nor are they in my brother 's account. No one at XXXX seems to know where the funds are or how to reverse the transfer. I sent a letter to XXXX in the XXXX Mail on XX/XX/2016 and have received NO response. XXXX attached. 
How can I get these funds returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX i 'm started the aplication for Loan Modification program trough HARP, I made the trial payments to American Servicing Company, after that I make calls to asked the status of my aplication, not answers or no status provided at that time. 
I was follow the status for my aplication weeks to weeks, until XX/XX/XXXX one agent told me the aplication was aproved but no letter or correspondence was sending to me. 
I check the public records filed in XXXX County, FL for the records of the loan modification and I check the aplication agreement was aproved and signed on XX/XX/XXXX that 's XXXX months after the initial day on the lease paragraph XXXX. 
American Servicing Company never sent me a letter of explanation about this mistake, this error was critical for my family economy, because I have to pay sometimes twice of the mortgage payments in period less that XXXX month. 
I like to revised the proper documentacion for the Loan Modification and if the correct time and procedures was following in my case. 
It 's important the lender inform to the customers of the state of the modification, because at this time the bank force me to go to foreclosure and disaster economics times at my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Debtsy Holdings, Inc.
State: OH
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 made a payment to DEBTSY a debt collector working on the behalf of XXXX XXXX XXXX on XX/XX/2021 for the amount of XXXX to settle my balance, I've received notification from XXXX that they verified the information as being accurate on my credit report as that the amount was not updated and they refuse to acknowledge the settlement as if I paid and it went nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff XXXX XXXX  was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX  cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable XXXX Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector trying to take legal action over a debt that is not mine. XXXX is for a traffic citation in 2013 for a photo enforced camera. I was not driving the vehicle, and the original collector was notified of this. They have since assigned it to a debt collector who has not validated the debt when requested, and also is now threatening to garnish and wages. The second is for financial Aid, which is also invalid as I have an account for my federal student aid, that is up to date. It is ALLIANCE ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: OH
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 made a payment to XXXX a debt collector working on the behalf of XXXX XXXX XXXX on XX/XX/2021 for the amount of XXXX to settle my balance, I've received notification from EXPERIAN that they verified the information as being accurate on my credit report as that the amount was not updated and they refuse to acknowledge the settlement as if I paid and it went nowhere.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Transunion over two months ago to correct my personal information on my credit file and i still have not received an updated 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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XXXX paypal acount is limited but its my first payment in other platform, i think they are mistake because its new accout, theld my fund its stock my money i want to withdraw it, my hold balance is XXXX, my account is XXXX, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have an unknown address with a 2007 bankruptcy that does not belongto me I have never lived in California and you have an address of XXXX XXXX, XXXX XXXX XXXX XXXX, California listed on my credit report. 
Could you please help me correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a Received letter in the mail for a car loan becoming repo that I never owned. Im reporting identity theft. I only have one car on my credit report which is my XXXX XXXXXXXX XXXX I pay my monthly bill every month with that car. I dont own anything else. I would like this negative inquiry removed off my credit 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 2016-04-02
Company: PNC Bank N.A.
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
I was given a credit card by PNC that allowed for zero interest during a several month promotional period. I called PNC to ask if I would be charged interest on the balance I accrued during these months, once the promotion expired. I was told that I would not pay any interest on this balance, and only pay interest on debt accrued after the promotional period had passed. I made this call around XXXX 2015, and PNC admits that they have this recorded phone conversation, but continue to charge me interest on past purchases. They have told me that I was given false information, and that this mistake has granted them a coaching opportunity. I told them I did n't think that was very nice at all and requested that the interest payments be credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Back in 2011, I paid off my equity Loan with PNC Bank. PNC chose to say this loan was discharged/forgiven. This was not the case. As of today I can still walk into any branch of PNC and the loan amount still shows outstanding on their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Lionstone Holdings Group
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A man called me claiming to be XXXX XXXX. He said that he was going to come by my house Monday, XXXX XXXX with papers for me to sign because I was being sued. If I did not call the number XXXX With the said reff number he would be coming by my house with paperwork to be signed because I was being sued. When I called the number it was to Lionstone Holdings. I am not sure what they want but I have never had a loan through them, nor do I have an unpaid loan. I do n't appreciate a strange man saying he is going to come to my house!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Cstone Mortgage Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My XXXX and I were approved [ twice ] by Cornerstone Mortgage CO. 
XXXX [ XXXX ] for a Residential CONDO mortgage re-fi. My Cornerstone file # XXXX. The company is located at XXXX. 
Cornerstone, never complied during the approximate 5 month with RESPA. also, they have refused to provide a copy of my file [ s ]. Cornerstone [ broker ] / lender/ collected a appraisal fee and commanded I close a credit line of XXXX dollars with XXXX. [ active ] and in good standing [ 1 percent interest rate ]. I was told it could be re opened. ... XXXX refused. The lender enticed me to close a XXXX Credit card. I performed upon every request. The lender had no funds. ESCROW on or about XX/XX/2016 assigned a paid notary who spent 1hour at my residence obtaining ALL signiture [ s ] and documents. 
Thereafter the ''loan '' never closed or, funded. Cornerstone even forced me to significantly change my HOMEOWNERS insurance policy with XXXX and name their agency as the beneficiary Then the lender ordered another ''appraisal '' and caused in-ordinate delays to the loan. 
Respa was not complied with. The general interest rate decreased and the lender refused to decrease the APR. 
Again, the loan was ''approved '' and the Agent XXXX resigned from the Lender and I never heard from the lender again ... until i wrote an offer to settle and compromise. 
The lender never answered the offer to settle and my loss of additional interest and costs was about XXXX dollars. The escrow # is XXXX. 
Cornerstone mtg. kept the property Policy in their name until XX/XX/2016. 
.Finally, Cornerstone ran without authorization my credit 5 times. I agreed to only twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My tenant ( XXXX XXXX ) used to send his regular monthly rent via his Wells Fargo Account. He will send money from his Wells Fargo account to my XXXX XXXX account. Wells Fargo has a very faulty implementation of XXXX ( XXXX is from XXXX XXXX XXXX ) for the money transfer.Wells Fargo has no other way to make inter bank money transfer like old traditional ACH. Wells Fargo are forcing to use the wire transfer which is costly. 
My tenant is more than XXXX years of age and this issue is happening 2nd time. 
Every time - myself as well as my tenant has to spend time dealing with non customer friendly Wells Fargo every now and then. 
Today I talked with XXXX and XXXX XXXX during XXXX to XXXX XXXX central time. 
They only have excuses : 1 ) Telephone line is not clear 2 ) You have strong accent 3 ) It's XXXX 's problem - go and follow with them 4 ) It's the  problem with your tenant. You can not talk on their behalf.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
I called the the 3 Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
PNC offered a promotion on my credit card for using visa checkout. The promotion consisted of a XXXX dollar credit for spending at least XXXX dollars with visa checkout with your enrolled credit card. The bonus was to be paid within 90 days. It has been 90 days. The bonus was not paid. I have contacted PNC twice with no resolution. This is the second instance of an UDAP violation where PNC had refused to honor their advertised terms on an account with me. I would like all my bonuses paid, accounts closed and PNC held liable for violating UDAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: NATIONSTAR MORTGAGE LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint with you about Nationstar, this year, requesting that they give me the loan modification that would allow me to keep my property and stop the foreclosure that was in the XXXX, Hawaii court system. They did " satisfy '' the complaint by responding with a " loan modification '', higher than the original mortgage amount, and a trial period of XXXX months, that, if satisfied, would stop the foreclosure. The original mortgage for the loan was {$1200.00} and the trial loan modification was set at {$1200.00}. Nationstar said that the amount owed was now too high for a lower mortgage. Now the permanent loan modification is {$2000.00}. 
With the trial loan modification the new mortgage was higher than the XXXX they modified. The interestrate was also not lowered, but made higher. After the successful trial period- from XXXX 2015 to XXXX 2015 -The permanent loan modification- offered in XXXX 2015 with an even higher mortgage amount- $ XXXX was adjusted from trial period to include an escrow account, an additional {$81.00}. In XXXX 2015 an additional escrow amount of over {$670.00} was added to the {$1300.00} to equal {$2000.00}, which they are asking for on XXXX XXXX, 2015. 
Now, with the " loan modification '', Nationstar has not been fair in making it unaffordable to keep the property. I believe that the foreclosure was not done legally and that Nationstar was not prompt in offering me a " loan modification '' which was in process for XXXX XXXX years as they denied me more than once and continued to ask for more documents in an untimely fashion, as the foreclosure proceeded and the delinquent amount increased. There is a strong possibility that what they have done is illegal. They have added the possibly " illegal foreclosure '' fees, accruing delinquent amount, and escrow to my loan and all with a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Bread Financial Holdings, Inc.
State: OH
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:
XX/XX/2023 there was a hard credit inquiry XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In case # XXXX, SPS still insists that XXXX made a " protective advance '' in paying off my XXXX mortgage, and I still maintain that I was in no danger of foreclosure by XXXX XXXX ( in fact, I had arrangements to bring the mortgage current ; XXXX was very helpful when I was dealing with the financial impact of XXXX XXXX ) so that what SPS calls a " protective advance '' was in fact a payoff that was not in keeping with the terms of my note. 
SPS offered to discuss a tender amount required to complete a rescission transaction, which I would be willing to discuss except for one point that SPS points out that a rescinded transaction is designed to bring both parties to a state as if the rescinded transaction had not occurred. My question is how do you plan on reinstating my mortgage with XXXX or how do you plan on bringing me back to that state? You ( actually XXXX ) created this situation by arbitrarily paying off XXXX, so how do you plan on bringing me back to my original state? If XXXX had done the transaction legally with a right to rescind ( and also, by the way, if they had provided TIL and RESPA documents to make the transaction legal as far as paperwork although it would still be in violation of the terms of the note ) I would not be asking this question. 
In other words, your offer is really not an offer at all, unless you can do what appears to be impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken Loans did not calculate our escrow correctly with our new home resulting in having to pay an unreasonable amount of money. After living in our home for the first year, QL sent us a check because we overpaid escrow. I called QL, and they assured me that it was my money to deposit into my bank account and do with what I pleased. Since the new escrow calculation, the amount the check was for is the amount I owe in escrow. They did not calculate our home with the land the last year which caused us to have to pay an unreasonable amount of money.

Company response to consumer: Closed with explanation