BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've been working to resolve this issue since 2020. Ive sent communication letters to the creditors, and credit bureaus about me being a victim of identity theft. My information was involved in a few data breaches which resulted in true name fraud. Even with my taxes. To prevent that from happening again with IRS, I have an XXXX  on my profile. As far as credit reporting, nothing stops the false reporting. This is preventing me from actually being able to fulfill my ongoing dreams, investments, and credit dreams.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Earnest Inc.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a payment in XXXX 2016 for {$2500.00} that I intended to use towards my student interest deduction on the 2016 taxes. Earnest, my provider, did not process the payment and has admitted fault for the error. I have asked Earnest to pay me the deduction amount since I can no longer make the claim on my taxes ( I had no other student loan payments in 2016 ). They have refused to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion, XXXX  and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.

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 2020-08-12
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I gave PA unemployment my checking account # and routing Number for direct deposit with paypal. Paypal received this money in XX/XX/2020. Paypal asked for a valid ID which I sent them after renewing it with SC. SHOCKINGLY, paypal closed my account, and has denied me access to my funds. {$620.00} is being held by PayPal and I am being told they will not send it to me for 160 days. This whole experience is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Inaccurate information has been asked to be removed several times and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Terrill Outsourcing Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
During mortgage application period with Universal American Mortgage Company ( UAMC ), i constantly instructed my loan officer to lock in my interest rate. he always refused, had an excuse on why he could not lock it. at one point even said he could not lock it because the market was so bad it was shut down. eventually time passed and interest rate rose. 2 weeks from closing or less he eventually locked me in at XXXX i should have been locked in at XXXX a month before that considering my credit score is XXXX additionally original documents showed origination fee of {$6000.00} total. at closing time it was changed to {$4000.00} origination fee and {$2000.00} point to reduce interest rate. i understand the totals did not change but the manipulative, financial engineering was dissatisfying and should be investigated. i was never told i would be paying for points and did not have a reason to pay to reduce points. considering the importance of purchasing the house and time restraints i still signed the documents and closed on the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: American Credit Adjusters
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone was retasked from XXXX XXXX XXXX After two years this company continues to call for the original owner - I have repeatedly told them that I am not the person and asked them to stop but they call all the time

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage payment due to lose of employment and was unable to catch up with late payments and I have attempted to get help from mortgage company but my loan switched banks several times and have n't been able to get the assistance in was hoping to get, now am employed full time and able to continue with my mortgage payment and keep my apartment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was continuing getting calls to pay a debt on my voicemail this was during the year 2020. I call back several times to let representatives know is not true. That I had paid my debts and they have the wrong person. They continued to harrasles me.

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 2020-08-12
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received my first written statement by mail about a college tuition debt that I owe to Williams and Fudge,  the statement was dated XX/XX/20. On XX/XX/20 a representative from Williams and Fudge called my wife 's phone and left a voice mail stating that they were calling about the debt. My wife 's voice mail message clearly says that it is her voice mail, but they left a message on it abut my debt. I have the message saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 'm very aware of the FDCPA- I understand that I have a responsibility to pay my debt. Yet my creditor should never harass me. On multiple times have I gotten a text message, email an voice mail all in the same day. I 've spoken with them about there practices, they seem to think they within the law which allows them to call me three times in a day. One day I spoke with a rep, told him how unhappy I was with the aggressive attempt. I disconnect the call, he followed with an email subject " Thanks for hanging up on me ''. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter from TD Retail Card Services dated XXXX/XXXX/15 stating that my account is past due and to promptly send my total payment due. I call TD Retail customer service to inquire about my late charges, as I have never missed a payment. In short, they stated that I made XXXX separate payments in XXXX reflecting as a combined payment, rather than posting separately for XXXX and XXXX. The supervisor stated that I have to make payments monthly after the XXXX and before the XXXX of the preceding month to prevent XXXX posting to the same month and reflecting no payment for the next. Here is the sequence of events : XXXX paid, XXXX posted. XXXX paid, XXXX posted. XXXX paid, XXXX {$25.00} late fee, XXXX posted. XXXX paid, XXXX {$35.00} late fee, XXXX posted. Amount currently due : {$98.00} ( {$60.00} late fees ). This institution refuses to reverse adverse charges and to reinstate my account to current status reflecting 0.00 % for remaining balance owed. I have made all payments either on time or early, and this financial institution wishes to punish me for being a responsible consumer. Additionally, this unfortunately changes the terms of agreement from XXXX months with no interest to 29.99 %. This poor customer service is having a negative reflection on my current account and credit report, as this company is showing my account as late or not current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had to do a bankruptcy in XXXX, the lawyer never sent in the disclaimer so my mortgage hasn't been on my credit report since. I tried to find the lawyer when I found out 10 years later, no luck. Wells Fargo says there's nothing they can do. I also had XXXX insurance on my loan. I have been XXXX since XXXX. They can't find my XXXX benefits

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They took my money and charged me outrageous fees and interest rate I just believe that I robbed. They got me for about XXXX  dollars and I have tried getting my money back but they weren't trying to hear anything I had to say.

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 2020-01-08
Company: EQUIFAX, INC.
State: PA
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 went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX  but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
simons agency has multiple collections on all of my credit reports ALL of these have been paid by medical insurance and they are attempting to collect amounts for a dollar in some case.   there are multiple law suits against Simons, they refuse to answer my calls and hang up on me when i call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: HI
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:
XXXX, Equifax and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Last week on Monday, XX/XX/XXXX I contacted Bank of America because they threatened to debit my checking account ending in XXXX to take back some credits that I was due. I told them that was not right. They said they needed a letter from my Debt Consolidation Company showing that XXXX XXXX was in Debt Consolidation fromXX/XX/XXXX. I faxed that information to them. I also faxed a copy of the letter I did to XXXX XXXX back in XX/XX/XXXX informing them they were going into Debt Consolidation and not to take any more funds out of my account. 
Well, I am a senior citizen and I had very little money in my account. I had an insurance payment due. I needed money for food and gas. Bank of America ignored everything and took out over {$150.00} that they were Not supposed to after receiving my appeal letter that I faxed along with proof. This put my checking account into the negative. I called them very upset. They said there was nothing they could do. I told they I would report them for this. It is illegal.I am going to attach all the documents concerning this. I again faxed for a second time Bank of America today all of these documents again.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: HI
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:
XXXX, XXXX and Experian have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.

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