BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter for writ for garnishment. I 'm not even sure what the debt is.I have a phone with limited mins.and no other form of reaching these people.. I live on very limited means, and there asking for 25 % of my   XXXX   XXXX  ,   XXXX   XXXX   check.. I simply ca n't live with that.. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the XXXX breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On numerous occasions I would have enough funds in my account and still charged multiple fees. And return fees as well. Because of Wells Fargo Im unable to pay any of my bills electronically.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the XXXX breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!

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 2022-02-22
Company: EQUIFAX, INC.
State: IL
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:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-01-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have files a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This company contacted me called the XXXX XXXX XXXX on XX/XX/2022. They said they were working with the government and that I could be eligible for their plan. I signed numerous of documents and one of the documents included the power of attorney document and monthly payments of {$190.00} from XX/XX/2022 to XX/XX/2022 which is a total of {$970.00}. They also stated that after those payments are done, Ill have to pay 5 $ for the next 240 months then when that is done, theyll take away {$26000.00} from my loans. I didnt give them my FSA ID but they somehow got into my FAFSA and gave me a new password. I started realizing this may be a scam the day after which is now when I started doing my research and wasnt seeing any information of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX/XXXX is fraudulent on my credit Account # XXXX ITHINK XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I went to review my account as I do periodically. I noticed 4x over draft fees posted on my account on XX/XX/XXXX On XX/XX/XXXX my account ended with a balance of XXXX. On the 3rd I deposited an additional XXXX. A total of XXXX in positive funds. 

A total of XXXX in debits posted on XXXX. So even with the XXXX in over draft fees applied I was net XXXX in the positive. 

When I contacted my bank about the mistake they had made I was told I was mistaken even after going line by line over the account statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: Ocwen Financial Corporation
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
XXXX servicing I sent a complaint about this mortgage company about removing my credit report from the credit reporting companies. This is the second time i tried to get a response from them but I think they are no longer in business so i think that is why i did not get a response to have them remove my credit report from the XXXX reporting credit companies. 
I had my mortgage sold to a different company with a XXXX balance owed there for i should fell my credit report from them should be removed please help me to figure out how to have this done thank you ....

Company response to consumer: Closed
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. Transunion is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as Transunion, and XXXX is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

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 2020-08-18
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We have to be out of our house on XX/XX/XXXX so we have been looking for a new house to rent we found a house on XXXX that was for rent for {$950.00} a month with a {$950.00} deposit we made contact with a person on a phone number and email address we were sent a rental application we're giving an address and let in to see the house.We have been talking about when we can move in we were asked to give a {$950.00} deposit to secure it for XX/XX/2020. Ivdid so on the XXXX XXXX with my Wells Fargo app the daily limit was XXXX so that's all I can send at the moment when it was confirmed that that's what I sent they ignored our messages and phone calls for a few hours and then they responded to us a few hours later asking when they can receive the other {$450.00} by then we assumed it was a scam I contacted my bank immediately and tried to stop the XXXX payment and filed a claim with them wells Fargo. I am supposed to call the suppose landlord tomorrow  morning to arrange the rest of the deposit and receive the keys but I know this is a scam at this point and will not be moving in. I found another listing for XXXX a month and it is through a different realtor it's the same house. I think they used the account to make the fake XXXX account me and my family are going to be homeless as of XX/XX/XXXX and this is all the money we have I tried to reach my bank immediately about half an hour to an hour after the money was sent to stop payment was asked you to send the remaining XXXX through a XXXX XXXX which was cancelled thank God so I was trying to stop the {$500.00} payment cuz the XXXX can at least put me in my family in a motel room for two weeks please help 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 explanation
Consumer complaint received 2021-11-26
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was result of someone getting cable in my name. Debt is not mine though I paid it to have it removed from my credit profile. I spoke with XXXX XXXX who said if taken care of if would 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 2021-02-19
Company: LoanCare, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two weeks ago I received a late notice. When I immediately called, I was told that my auto-draft did not come out of our account for XXXX. There was no explanation of why this happened AT ALL. I gave full payment that same day, and I was told the issue had been escalated and someone would contact me. No one ever did. I called again last week and was told that the previous person had not correctly applied my new payment from the week before. Yesterday I then received a notice of default in the mail. I am EXTREMELY upset about this. When I view my account online it appears to be current, with nothing overdue and no late charges. I requested via phone and email on XX/XX/21 that they furnish in writing ( email or hardcopy ), confirmation that my account is current and that there is no late payment recorded. After over 30 minutes on hold I was told I would get the requested email that same day ( XX/XX/21 ) detailing that we are not and have never been late or in default. That email did not come and I received a 2nd letter of default via US Mail and notice that they had contacted RI Housing. 

Here 's the history of my multiple attempts to straighten this out : Called on XXXX/XXXX/21, 51 minutes. Initial person I talked to ( XXXX ) said he or his supervisor would call me when they were done investigating and they never did. He also gave me his direct line, which was just the same number that is on the letterhead. He also gave me an employee code to use to get him directly, and when I called I was told that they had no way of putting me in touch with him, that they dont have direct lines. 
Payment taken in full on XXXX/XXXX/21, cleared from our bank account on XXXX/XXXX/21. Default notice is dated XXXX/XXXX/21. 
Called on XXXX/XXXX/21, 27 minutes. Person I talked to said that XXXX had not properly applied my payment from XXXX/XXXX/21. 
Sent above request via online form on XXXX/XXXX/21. Received a reply saying to call the XXXX number. Called on XXXX/XXXX/21.

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 2015-04-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. 

As per final order. 
1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 
3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 
5. Ocwen did not provide NPV values on denial letter. 
6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. 
All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX University did not provide any accommodations as a XXXX student and stated that there were no accommodations for online students because they were studying at the comfort of their own home. They stated that the only accommodations available were for on-campus students. After delegating with Mrs. XXXX XXXX, a XXXX specialist, she promised to send a certificate of XXXX document. She never sent it and when I questioned her, she admitted that she forgot to send the document. Because of the lack of competence and care for minority class students, I have a debt of over XXXX that XXXX has been harassing me over. The debt was caused by them after urging me to withdraw from my classes. They did not care that this would affect me negatively. After I conceded and withdrew from my courses, XXXX reported me to the Education Department for fraud. This has caused serious complications in continuing my education. I have been denied access to education by XXXX University, XXXX University, and was put through a very arduous process due to this false statement and accusation. Because of this label, the FSA and its employees have mistreated me and abused me verbally. In recent, I spoke to a woman who verbally spoke to me in a violent manner. I felt threatened by her demeanor. XXXX did not protect my rights as a student and a protective class. They did not implement any affirmative action on my behalf and subjected me to more harm than good. I not only have a large debt but the debt prevents me from getting any private loans like the XXXX XXXX Loans. I was recently denied and needed an endorser. Given this ordeal, I am requesting a fair resolution below.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: NC
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 with the Fair Credit Reporting act XXXX XXXX XXXX  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 an 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 2017-05-01
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On  XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard  XXXX   XXXX  for purchasing an  XXXX  laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated  XX/XX/XXXX  for {$550.00} and one dated  XX/XX/XXXX  for {$270.00}. My plan was to pay {$270.00} on  XX/XX/XXXX  and the remaining balance ( approximately {$270.00}  ) b efore  XX/XX/XXXX . On  XX/XX/XXXX  I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager,  XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance.  XXXX  was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after  XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I  still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement  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