BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just received a phone call from  Wells Farg o. This is in violation of Bankruptcy law.   At   XXXX   XXXX  ., I received a phone call from this phone number :  XXXX . A woman, who initially did not identify herself as from  Wells Fargo , asked to speak with  XXXX   XXXX . I replied affirmatively that this is  XXXX   XXXX . She then identified herself as being with  Wells Fargo . I was shocked. I said that I am in active Bankruptcy, and that  Wells Fargo  is not supposed to contact me. She replied, Yes I know, that she understand s ( i. e., the Consumer Law ), but that they (  Wells Fargo ) have a right to contact me to respond to a complaint I filed to the Consume r Protection Bureau. She also notified me that the line was being recorded. She wanted stated her name, and said she wanted to give me her contact information.   I said that I have requested that  Wells Fargo co ntact me via written correspondence only. At that point, I asked her name. She stated,  XXXX   XXXX   XXXX ,  Resolutions Specialist. I asked her what the status is of Consumer Protection Bureau  complaint ( on  XXXX   XXXX , I demanded tha t Wells Fargo  halt active foreclosure proceedings ).  XXXX   XXXX  stated that she did not have an update, and did not know the status. She stated that she needed to research it.  XXXX   XXXX  stated she was contacting me to provide me with her direct contact information. I said that I do not want her contact information. I asked  XXXX   XXXX  to mail me a statement regarding the status of my complaint. She replied that she would.   End of conversation.

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 2021-11-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the credit card company and asked about my authorized users. I wanted to confirm who I had listed. And for some odd reason they tried to run my credit. I already have a credit card with them. I wasnt even adding a user I was simply verifying who I had listed. I contacted them immediately when I received an alert that they were running my credit. They sent me to multiple departments within their company. And I was told it would be removed within 10 days because I had not authorized them to access my credit. To this date it is still showing on my credit bureau from XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ConServe reported an account to my credit report without any written communication that the debt was placed in collections, the ability to dispute, and I was never late on my payment with the original creditor. 

I pay monthly for a class that I took at XXXX XXXX of XXXX XXXX. I've never been late. ConServe placed the account on my credit report and said that I'm late on Payment for XXXX ( even though payments have been made ) and never alerted me that the account was placed in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to EQUIFAX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : 1. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 2. XX/XX/XXXX Inquiry Date XX/XX/2020 ; 3. XXXX XXXX XXXX  Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Wilber and Associates, P.C.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I RECEIVED A LETTER FROM WILBER & ASSOCIATES, PC STATING THAT I HAVE A DEBT FROM A CAR ACCIDENT THAT MY DAUGHTERS EX HAD IN MY VEHICLE. HE WAS UNLICENSED THEREFOR INSURANCE DID NOT COVER THE DEBT. I CALLED TODAY XX/XX/XXXX17 TO DISCUSS THE BALANCE. THE REP WAS VERY RUDE, LAUGHING AND BEING DISRESPECTUFUL. WHEN I ASKED HOW I WAS LIABLE ( TO EDUCATE MYSELF ). I DECIDED TO END THE CALL. I THEN CALLED BACK TO MAKE AN AFFORDABLE ARRANGMENT DUE TO MY FINACIAL SITIUATION. A NEW REP WAS ON THE LINE. AGAIN WAS TALK BELITTLED AND WHEN I ASKED TO MAKE AN ARRANGMENT I WAS TOLD TO PAY THAT SHE SUGGEST I PAY XXXX UPFRONT. I TRIED TO EXPLAIN MY SITUATION AND THERE WAS NO TALKING. I ASKED TO HAVE THE REP WHO WAS OVERSEEING MY ACCOUNT TO CALL ME BACK TO FURTHER DISCUSS AND I WAS TOLD " I WILL MARK THIS AS A REFUSAL TO PAY '' AND WAS HUNG UP ON. I NEVER REFUSED TO PAY. I WAS TRYING TO WORK WITH THE COMPANY TO RESOLVE THE DEBT. I WAS NEVER VERIFIED BY DOB OR SOC OR READ THE MINI. I WAS TREATED UNFAIRLY AND TALK TO IN A RUDE MANOR. I WAS THEN TOLD I WAS BEING NOTED AS A REFUSAL TO PAY WHEN I NEVER ONCE REFUSED TO PAY THE DEBT. I HAVE EMAIL THE MANAGING ATTORNEY AND HAVE NOT HAD A REPONSE.

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 2020-10-07
Company: AG AH LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with ARC mortgage. I make my payments on time every month. For the month of XXXX I made my payment on XX/XX/XXXX through online banking with my bank. They received and cashed the  check from my bank on XXXX. They never put the payment to my account. This has happen 11 times in the past 2 years. I pride my self on my high credit score any they are putting this in jeopardy, because someone is not doing their job over there. As of XX/XX/20 this still has not been resolved. Attached is the cashed check for the month of XXXX. Also attached is my payment history with my loan showing all the times they XXXX  up on my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: TN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX sold XXXX XXXX to XXXX XXXX ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXXby XXXX XXXX. Capital management has been the collection agency on this loan : capital management XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of Florida is 5 years. I graduated school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XX/XX/XXXX. XXXX has been fraudulently trying to collect on this loan through capital management, XXXX and XXXX XXXX. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. XXXX XXXX stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Wrongdoing Party : CHASE CEO/President : XXXX XXXX Executive Office XXXX XXXX XXXX XXXX, Ohio XXXX Mail stop : XXXX I opened an Amazon.com VISA ( CHASE ) approximately XXXX, 2016. The credit card no longer works, and phone calls with CHASE proved to be useless. CHASE does not have any record of the account, any record of my name, and any other records related to the account. CHASE did NOT notify me in any way that the card was being cancelled since it was originally issued. CHASE will do nothing to reissue or replace the card. This is as a minimum unethical business practices and possibly even breech of contract. There was also no other correspendence with CHASE other than a bill for a text book. <P/>Please order CHASE to issue a new card, and order then to pay {$400.00} for damages expended to date to resolve this problem. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Prosper Marketplace, Inc.
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was injured on  XXXX   XXXX ,  2016 . I made my  XXXX  loan payment, but called Prosper to let them know I could not make full loan payments until I recovered from  XXXX  and went back to work full time.   The prosper representatives I talked to promised a " program '' that might allow me to move my payments to the end of the loan, but only after making  three  additional payments. It sounded suspicious, so I questioned them very carefully. This program was a lie. No such program exists. They only admitted this after suggesting I borrow from friends and family to make these " qualifying '' payments. Lies may not constitute fraud, but I was lied to, outright, in an effort to bilk money from my family while I was injured and unable to afford anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with the bank for more than 4 years during this time unfortunately my account was compromised several times and I reported it on time to the bank. Followed there dispute process and everytime the disputes were resolved under my favor. 
My monthly salary and my late husbands pension gets transferred to this bank since then. And this is the o my bank I have as my primary bank. All my direct deposit is and ach towards rent bill pay and autopay and insurance goes from this. 
Suddenly bank decieded to close the accounts stating banks decision. 
This has created a huge turmoil within my financial transacting position. My payroll and all other deposits are affected and am not able to get my banking done. 
I have been emotionally stressed and need urgent help.

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 2017-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services LN  XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA   XXXX   On  XX/XX/XXXX  we started a short sale with  XXXX , who was the servicer at that time. It has since been transferred to Carrington Mortgage Services ( CMS ). On  XX/XX/XXXX we faxed a complete short sale package to CMS. On  XX/XX/XXXX  CMS claimed their BPO came in at $ 260k and they countered the buyer at this price.
<P/>
This price is not at market value and we have requested a copy of the BPO multiple times ( as per ECOA guidelines set forth by the CFPB ). CMS has outright refused to provide a copy of the BPO, stated they dont have to follow anyones guidelines, and insisted that the BPO came in at $ 260k.
<P/>
We have since received an appraisal done by a Licensed Appraiser adn the value came in at $ 197k. it is obvious CMS has manufactured the value of $ 260k and has therefore committed Valuation Fraud.
<P/>
Well, since we were planning to go after the BPO agents license for Valuation Fraud, we decided to discuss this with said BPO agent. The BPO agent emphatically insisted he did NOT bring the value in anywhere near $ 260k. That leaves the Fraud resting squarely on the shoulders of CMS not a surprise to us, actually. Every single file we have ever had with CMS has resulted in multiple CFPB complaints as a result of their FRAUD.
<P/><P/>
1. CMS forecloses on properties to that they may steal the homeowners equity in the property.
2. CMS forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. CMS forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 3 again CMS has THEIR OWN RETAIL DIVISION that will list and sell properties to the benefit of CMS.
CMS has violated ECOA guidelines by refusing to give a copy of the BPO that was done.
<P/>
CMS has committed FRAUD by establishing their own value CMS is refusing to give an appropriate value for the property in order to prevent the short sale from taking place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels.
<P/>
I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help.
<P/><P/><P/>
This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these reasons, but we too have already filed complaints against CMS for these same reasons. We would be happy to provide evidence of this upon the CFPBs request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX specimen was taken at doctor office and sent to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX sent claim to insurance ( XXXX XXXX ) Sometime later, received bill from XXXX XXXX Partners for same. 
Contacted Specialized Pathology and explained XXXX had already billed and was paid. They said they would note in their files. 
Also contacted XXXX who said they did not provide insurance info to XXXX XXXX because XXXX pays pathologist directly. I was told by XXXX they would contact the pathologist and clear this up. 
I heard nothing, received nothing since then, until last week. 

I received a notice from RMP Collection agency that I owe {$500.00} for this same bill dated XX/XX/XXXX. 

XX/XX/XXXX, I contacted XXXX XXXX, at XXXX, spoke to XXXX, to find out they are no longer in business and they still have this debt on their files and it was indeed sent to collections. 

I have no recourse to remove this debt at the company is out of business and the collection agency will not remove it. 

I received a copy of the invoice, showing debt was paid from XXXX and forwarded this to XXXX. They now will not answer my calls or return my calls to confirm their receipt and that the debt was paid. 

I am asking for your assistance to get this bill removed. RMP says they will put it on my credit report if I do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-05-11
Company: Experian Information Solutions Inc.
State: CO
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:
Experian should not be reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account does not belong to me. This account belongs to my father. I have contacted XXXX, as well as Experian to remove this account from my credit report however, I have not been successful. This account is also reporting ( 90 ) days late and is seriously harming my credit score. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.

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 2021-11-13
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I bought Vanilla Gift card from XXXX XXXX XXXX on XX/XX/2021 and loaded it with {$500.00}. 
I used the card on XX/XX/2021 at XXXX XXXX for {$25.00} Today on XX/XX/2021 I checked the balance on the Vanilla Gift card and it has only {$1.00} left. Remaining money is removed from the account through fraudulent transactions. 

There are 94 transactions of {$5.00} each on XX/XX/2021 from XXXX to XXXX i.e. within 1 minute using XXXX XXXX. There are 2 pending transaction of {$1.00} each on XX/XX/2021 and XX/XX/2021 using XXXX XXXX XXXX 

Please ensure i get my money returned back at the earliest.

Company response to consumer: Closed with explanation