BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After having recently been denied credit based on a report from TransUnion, I requested a copy of my credit report, found several inaccuracies, submitted a request for the credit report to be corrected, and subsequently received an e-mail notification that " Your Investigation is Complete '' with partial results. 

The top of that results page read, " If you are not satisfied with the resolution or the updated report ... then you may print and complete a Request for Investigation form and return it by mail. '' The underlined text linked to the URL XXXX, which says at the top of the page ( apparently incorrectly ) that consumer options include " Initiate an investigation at XXXX '' even though that is not actually an option. Visiting that URL and authenticating my information I was just brought back to the results page from the previous investigation, without any opportunity to report or request correction of new errors introduced into the report as a result of that investigation, or questions that went unaddressed. This is also true of the URL linked to at the bottom of the updated credit report, dispute.transunion.com. 

Further, the bottom of the page with the results of the investigation stated in small type " Should you wish to contact TransUnion, you XXXX do so, By Mail : TransUnion Consumer Relations, XXXX, XXXX, PA XXXX ; By Phone : ( XXXX ) XXXX. '' This ZIP code differs from the ZIP code for what is otherwise the same address, printed on the Investigation Request PDF ( URL given above ; XXXX ). 

When calling the phone number during listed hours, I was told it was the wrong number to call and I had to instead call XXXX to reach the Fraud Victim Assistance Department and re-authenticate with all my personal information again, without any capability of transfer or ability to ask questions of the rep. who answered at the published phone number, and without any automated system being able to recognize from the file number I 'd entered where to properly direct the call. In my last call, there was a full minute of silence on the other end of the line after entering in my file number as requested, suggesting the call had been disconnected. This is another step effectively discouraging inquiries. 

The above paragraphs describe ways in which TransUnion makes it considerably harder than necessary for consumers to correct misinformation that they are reporting about their credit history, and further decreases confidence in their competence for accurate reporting or sensible policies. 

Please set or enforce regulations that allow customers to request the correction of incorrect information included in credit bureau 's reports about them without unnecessary difficulties added into the process.

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 2015-07-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
My problem is with Wells Fargo reverse mortgage department. I was appointed the personal representative for my mothers estate and have been attempting to resolve the reverse mortgage with Wells Fargo for close to a year. I have followed all the guidelines set forth by Wells Fargo and they continue to stall, request documents many times over, tell me they have everything they need and then a week later ask for something new. The requests come XXXX at a time. I do n't think they know what they are doing. I need some help. 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 explanation
Consumer complaint received 2015-10-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
First, the only complaint I have about my bank, Wells Fargo, is that they will not pursue these criminals legally. Otherwise Wells is very good about returning the funds. 

I received a {$180.00} fraudulent charge that shows on my statement as " PURCHASE XXXX XXXX XXXX XXXX CA XXXX ''. I called the number and it is a message representing that one has reached XXXX, but it is not XXXX! I XXXX it and they have been fraudulently charging a lot of people. Fraud of this size warrants investigation. How hard is it to find an address on these people through a phone company? Show up on their doorstep, arrest them and stop this fraud. 

Please put a stop to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: WLCC
State: UT
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX XXXX keeps calling me about my loan with Arrow head loans, In XXXX I went with progressive debit relief to pay them off and Arrow head is not to call me any more and I am still getting calls from Arrow Head XXXX XXXX, now he has some guy calling from XXXX to my family telling them they are sueing me for check fraud. When I called the number they refused to talk with me. They have both been told to call XXXX at XXXX to handle the matter and they refuse ..It is out of control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06
Company: Dovenmuehle Mortgage, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Working on a short sale with this servicer since XXXX/XXXX/XXXX when XXXX service-released the loan to them. We lost one buyer already, but have a new buyer/offer in since XXXX/XXXX/XXXX. My understanding is that all files must be reviewed by The Committee prior to approval. I called twice today and was told that the file is still waiting to be reviewed by The Committee and that I should call back next week for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: MORTGAGE LENDERS OF AMERICA
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Went through a company called Mortgage Lenders of America LLC. We listened to the lady on how we were going to set a plan to fix the credit score. So we paid off all our debt. First mistake in which she admitted to was that she ran my credit too many times and without authorization. Final result in my family losing the house we wanted and right before XXXX. I tried calling multiple times as did my realator and this company will not return any calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident XX/XX/2013. The bills were to be paid by the insurance company. My attorney and I have contacted the companies at least 10 times with no response. The bills should NEVER have been placed on my credit reports and should be removed ASAP from all three credit bureaus. There are XXXX bills from the same company that were placed on my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Constant harassing robo calls sometimes 8 calls within 1 hour- See attached XXXX telephone log. The debt was paid with secondary insurance by XXXX XXXX - XXXX. ALso see attached letter to XXXX XXXX, VP at XXXX XXXX XXXX XXXX - dated XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
The banks 's account holder and his employees testified under oath and admitted to wrongfully endorsing checks made payable to my Company and ( XXXX ) and depositing them into accounts with Prosperity Bank without my authorization. Also, he admitted that he attempted to get an assumed name the same as Company. Prosperity Bank and it 's account holder are not disclosing the total amount in which were deposited but we know that it around {$100000.00} XXXX or more. This has really affected my business and have sent me through extreme financial difficulties. I have lost everything and it seems as if my issues are not being acknowledged. 

Properity Bank told me that there was a document is place in which allowed the endorsing and depositing of checks made payable to my company ( XXXX ) but they refuse to produce it. Any document in which purports to authorize their actions is a Fraud Document. 



Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One is reporting a fraudulent credit card account on all XXXX of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Capital One several times, and requested investigations. All XXXX credit bureaus informed me that Capital One verified and confirmed that the account belongs to me. I have not received any proof or documentation from Capital One that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is trying to collect on Capital One Credit Card XXXX that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a XXXX credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I have a past due balance due on my Kohl 's charge account. I made payment arrangements, and after I made these arrangements, they still have me on their automatic dialer system. They called me 2 different days, even after I told them to stop calling my cell because I already made arrangements, and that I was getting annoyed by these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The apartment manager refused to do the walk-thru inspection of the apartment. He than said he was charging for new paint, New carpet and new tile. Then he turned the illegal debt to an attorney who called me on XX/XX/2015 at XXXX when I told him I filed a lawsuit against the manager and not to contact me. He sent papers that he was pursuing the illegal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and XXXX, collecting for a capital one credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called XXXX to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collector has been leaving voicemails with a person I know stating they are calling to collect a debt. This person called them back to let them know they had the wrong number and they continued to harass him, asking personal questions about him and myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage has just been sold to shellpoint mortgaging services in XX/XX/2016 ... i received a certified letter today stating i owed monies ... .they only monies i owe is this month XXXX ... the letter is certified and threatening to me ... .default with acceleration and balance is this month plus next month. the letter makes it seem they can take my home from me if balance is NOT up to date ... i have seen many complaints from this company for same reasons on google and SOMETHING NEEDS TO BE DONE. i am current ... i should receive these letters if i am over 2 months late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, " Credence Resource Management '' has continued to call and demand I provide personal information, like my social security number and address, and when I refuse, they indicate I have to or they will take legal action. I do n't know who they are or what they are calling about. I have repeatedly asked to be removed from their call list and I keep getting calls. 

When I was recently on vacation, they called my phone so many times, that it defeated by " Do Not Disturb '' feature as my phone thought it must be an emergency. 

They will not identify themselves, what they are calling about or what company they are calling on behalf of. 

When I finally blocked the number on my cell phone, they just started calling from a new number.

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 2015-04-07
Company: ASTORIA BANK
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Astoria and they are taking out XXXX taxes XXXX/year in addition to XXXX, XXXX taxes taken out. When I inquired as to why I was paying XXXX taxes although I live in XXXX, XXXX I was told they would look into it. I received a letter that they had rectified the situation but with no supporting information. I do not know how log I have been paying this erroneous tax as I can only access back to 2013 my records. I would like to know what this is, how long it 's been going on, and get any reimbursement that is due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
In a previous complaint filed with this same company I mailed certified mail and faxed them a written request to NOT call my employer. XXXX called my employer after this company received notice to not call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Charlottesville Bureau of Credits, Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Valley credit collection agency was paid for XXXX delinquent accounts on XXXX/XXXX/2015. {$56.00}, {$100.00}, {$120.00}, {$25.00}. Totaling {$300.00} plus a processing fee of {$5.00} for grand total of {$310.00}. Collection agency refused to provide me written communication of itemized bills I paid. They also have not notified credit bureaus that accounts were paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I have been attempting to dispute a transaction -- which has since been accruing interest -- since XXXX regarding a XXXX online subscription that I initiated and then cancelled. The XXXX says that it is settled from their end, and that the only reason I could still be being charged is due to a failure on part of my card company. They will not respond to my messages ; every time I try to call their line is " busy '' or they are " not open '' ( even from XXXX ). I cut this card up months ago. I do not use it. And I do not want to pay this interest over a {$5.00} charge I never made months ago. I do n't know what to do.

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 2017-02-28
Company: Mark A. Kirkorsky, PC
State: AZ
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:
I was sued for a debt owed {$4400.00} and the lawyers added interest and their fees and now I owe {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: FIRST HERITAGE CREDIT LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I went in to make a payment on my account and I noticed that the computer showed that I owed more than I was suppose to. I asked the employee why was it showing that but she had no explaination so she proceeded to get the manager! When the manager looked at my account, at first she could n't figure out why either, so I asked for a copy of my payment history and saw mistakes! I pointed the mistakes out to the manager but she said that I was wrong and started claiming that I missed a payment. When I told her that I had not missed a payment and that she was lying she told me that if I did n't hush she would call the police and have me charged with trespassing and she also threatened to garnish my wages even though I was not behind on my payment. I told her that I was only trying to figure out what was going on about my account and asked her for her head office 's number but she still proceeded to in fact call the police on me and afterwards demand a payment from me! The police came and got a statement from me and after I left I called the supervisor to that office and explained what had happen and when she looked at my account even she admitted something was wrong! The supervisor was suppose to get back with me on the XXXX of XXXX but have not heard anything else from her! My account is getting further behind and I do n't know what to do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: ALLY FINANCIAL INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In the XX/XX/XXXX-XX/XX/XXXX time frame I had a mortgage serviced by a subsidiary of ALLY Financial Inc . The subsidiary illegally filed a foreclosure action after mishandling my mortgage modification request and application. The subsidiary subsequently filed for Chapter XXXX Bankruptcy. I request my concerns be addressed by the parent company Ally Financial. 
The problems with the subsidiary GMAC Mortgage/XXXX XXXX. 

I request that the irregularities with misuse of Allonges, Robo signing, disregard for due process in the handling of jurisdictional requirements in the foreclosure process and a lack of standing by Ally Financial 's subsidiary be addressed and resolved by Ally Financial.

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 2016-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. 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 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint since Transunion has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over 30 day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief