BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: Northland Group Inc
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Kriya Capital, LLC
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:
A certified letter was mailed to Credence Resource Management on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Credence Resource Management on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Westlake Services, LLC
State: NJ
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 have a loan with WESTERN FUND, WESTERN FUNDING INC,  and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WESTERN FUND, WESTERN FUNDING INC, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

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 2016-09-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened up a savings account at Wells Fargo Bank. I was required to take debit card as part of the account processing, even though I said that I did not want a debit ( or credit ) card. We agreed that I could cut it up when I received it.

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 2020-08-13
Company: Access Capital Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Unpaid XXXX Credit Card Balance was {$650.00} and paid over 6 months. 
Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Paid {$110.00} XX/XX/XXXX Paid {$120.00} XXXX Paid {$100.00} XX/XX/XXXX Paid {$100.00} XX/XX/XXXX Final payment date. 

XXXX Acct # XXXX This company is showing that I still have a balance of {$100.00}. They were contacted and sent me a letter stating it was paid in full, but have Not updated my report as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I completed a short sale in XX/XX/XXXX and I was informed from the independent foreclosure review that all negative reporting will be removed. The mortgage company is also still reporting a late that occurred XX/XX/XXXX that needs to be removed.

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 2020-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$12000.00} -This is not my account.

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 2016-08-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX I called Wells Fargo Home Mortgage ( WFHM ) and spoke to a customer service rep concerning my mortgage payment for that month. Since i was still in the " grace period '' the customer rep offered a repayment program called a Temporary Forebearance Agreement. Under this program the XXXX XXXX mortgage payment would be deferred and repaid in XXXX equal installments over the next 3 months. The repayments would be in addition to the normal mortgage payments due at that time. 

I asked the customer rep it entering this program would reflect negatively on my personal credit report. Her response was that if i complied with the terms of the agreement then nothing negative would be reported to any of the reporting agencies,. However, in order to participate in the program i had to agree to allow WFHM to debit my account when the XXXX XXXX, XXXX XXXX, and XXXX XXXX mortgage payments came due plus add XXXX of the deferred amount to the total. In addition, since the agreement was made during the XXXX XXXX grace period I would not be considered delinquent. 

I agreed to the terms as i understood them at that time and provided the customer rep with my account number and I did not make the XXXX XXXX mortgage payment. The program was completed in XXXX XXXX and the obligation completed. 

Two problems have arisen for me as a result of this agreement with WFHM : 1 ) The missed payment somehow grew into XXXX delinquent payments 2 ) The aforementioned alleged delinquent payments were reported to XXXX, XXXX XXXX, and XXXX consequently negatively effecting my credit and credit score In reviewing the mortgage summaries for these periods and item labeled " Applied Funds '' appears. It seems that when WFHM debited my account they did not know where to apply the funds. The complete payments might have been placed in an escrow account and neither the regular nor deferred payments were properly credited even though paid per the agreement and on time. Since WFHM presumably designed the program and offered the product to customers it seems reasonable to think that they would have known how to manage and operate it. Once the funds were debited I had no control over how the funds were treated.Of course the customer suffers from the banks inefficiencies. 

Lastly, i did not receive a copy of the Temporary Forebearance Agreement until XXXX XXXX. As a result fully understanding the terms was different than what was explained by the customer rep. WFHM claimed that my conversation with the customer rep was recorded but when pressed to produce it they could not. So it becomes a case of my word against theirs.

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 2023-01-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent two letters for two accounts via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
DRS sued me in XXXX XXXX Ohio for alleged unpaid medical debts. I had repeatedly told them that I had XXXX on the dates of service SIX years ago and they kept telling me I did not. I also told them that one of the dates of service would have been covered by XXXX. I was never served papers, the docket shows that they attempted to send a certified notice to me, however I did not live at that address at that time. The docket shows that it was simply sent via regular mail to my then ex boyfriends house. I never got it. However we reconciled and I did receive the request for summary judgement and I promptly answered it, and provided DRS with all of the billing information that they should have needed for the dates of service. The hospital already knew I had coverage in XXXX so this year was not provided to DRS, however my XXXX  information was provided to them. I hand delivered to DRS a letter showing that I had coverage for the entire year of XXXX under XXXX thus clearing myself of any debt, the debts that DRS has placed on my credit. I delivered this to them on XX/XX/XXXX. When I called the next day and spoke to XXXX XXXX, she told me the accounts will not be removed from my credit until meidicaid pays the bills. It does not matter if medicaid actually EVER pays these bills, the hospital is not legally allowed to bill me in the first place because I have/had medicaid. XXXX is holding my credit XXXX!! I have proven that I do not owe these debts, XXXX KNOWS I do not owe the debts they have on my credit and have refused to remove them!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/2020 I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.

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 2020-08-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, Wells Fargo adjusted my credit card balance of {$8500.00} to {$0.00} for no apparent reason. Then, on XX/XX/2020, they returned that same balance, again, with no explanation. As a result, the system automatically assessed me a balance transfer fee of {$250.00}. 

I believe this did not happen by accident. What I suspect is that Wells Fargo is deliberately processing such transaction in order to charge their credit card customers and collect fraudulent fees.

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 2019-02-05
Company: RMS-Recovery Management Services, Inc.
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RMS has contacted me about 2 student loan debts from XXXX XXXX   XXXX XXXX. One in the amount of {$6000.00} and the other around {$5000.00} ( estimating amounts ). I have attempted to call them to dispute and wrote a letter stating DO NOT contact me further about this debt as I was in a BNK CH XXXX in XX/XX/XXXX-XX/XX/XXXX and this debt was paid in full. I continue to get notifications from the collectors each year about this loan whereby once I contact them and let them know I was in BNK and the law states do not contact me they cease and decease. RMS continues to try unlawful tactics to collect on this erroneous debt. My BNK was successfully paid off and all creditors should have received notification from the US Federal Court in Texas. I wish for them to not contact me or try to collect on this erroneous debt. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Previously I filed a complaint through the offices of Senator XXXX XXXX, Senator XXXX XXXX and Congressman XXXX XXXX about the Wells Fargo Bank withholding {$5200.00} as a servicing set-aside from a reverse mortgage that my wife and I entered into with them in XXXX. It is my understanding from your documentation that Servicing Set-aside 's are intended to pay for any needed repairs to the home, taxes and /or insurance that I do not pay myself. Wells Fargo has never brought to my attention any repairs that my home required, nor has it paid for any repairs, taxes or insurance, thus I believe that amount is subject to be returned to me at this time, as I have fully repaid the full amount borrowed, plus interest and fee 's. 
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX, XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo, I HAVE NOT, and it is now XXXX XXXX, XXXX. I am further concerned that you allow Wells Fargo to just provide a " Stock Answer '' to complaints " we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review, never do the give the details of what they found that allows them to disregard your issues with them, never do the even address the issues that were presented to them. They simply say that the complaintant is wrong, and you accept that as accurate. I must ask, do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo, I wish you to tell me just who you will foist my complaint against you off on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have a citi account that is reporting on my credit and i have never had a card nor account issued with them. it states that it was discharged through a bankruptcy but i never filed such a thing. and they have my name wrong it states XXXX XXXX XXXX XXXX. that is clearly not my name. i have sent three letters to citi bank and i never get a response from them. i sent all these certified mail dating back to XXXX XXXX the alleged account number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: The CMI Group, 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 XXXX OF XXXX, I STARTED RECEIVING CALLS FROM A DEBT COLLECTOR CALLED THE OFFICES OF CREDIT MANAGEMENT , LP. THEY ADVISED THAT I OWED A DEBT XXXX {$140.00} FROM XXXX XXXX XXXX. I HAVE NOT HAD XXXX XXXX XXXX  IN ABOUT 4 YEARS. THEY ADVISED THIS WAS A DEBT FROM XX/XX/XXXX. FIRST, I KNOW FOR A FACT THAT THIS INFORMATION IS INCORRECT SO I DISPUTED IT WITH THE DEBT COLLECTOR. SECOND, XXXX XXXX NEVER ONCE IN 4 YEARS, AFTER CANCELLATION, ATTEMPTED TO CONTACT ME AND I HAVE LIVED AT THIS SAME ADDRESS. I ALLEGE THIS IS AN UNFAIR BUSINESS PRACTICE THAT XXXX XXXX PURPOSEFULLY DID NOT NOTIFY ME UNTIL 4 YEARS LATER IN AN ATTEMPT TO MAKE IT MORE DIFFICULT FOR ME TO VERIFY THE DEBT. I KNOW IT'S A SMALL AMOUNT, SO TO WHAT END, I DO NOT KNOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This just happened recently, just XXXX weeks ago, on XX/XX/2022. A server came to my house. I wasn't the one who physically opened the door ; my sister n law she walked into my room and handed me a summons. I hadn't used this credit card in years ; once I read it, the information on the summons was incorrect following improper serving when the server didn't physically hand me the summons in my possession ; I've already gone to court for this about XXXX years ago, and admitted guilty now apparently, I have to get this mediation for this. States I owe XXXX for capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I signed up for a loan and was told I was in charge of making payments which is no problem, I then received a notice that they withdrew  XXXX  from my account when the first payment was only supposed to be  XXXX . I then signed on and looked and they have a  XXXX  dollar fee attached to all future payments. I never agreed to the taking the money out. And also come to find out they are not licensed in my state of Washington to be giving loans. They stated they are a tribe and can do what thet want but the attorney generals office says not they cant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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