BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw a collection from credit collections USA for XXXX XXXX XXXX in the amount of {$430.00}. I never received any notice of dispute for this item, especially since I was homeless at the time of the service and made sure to make the clinic aware of no medical coverage. I have obtained a PT job and would like to pay {$200.00} to settle and delete this debt.

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 2022-05-13
Company: Metro Area Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I noticed a new and unknown debt collection on my credit report for {$3400.00} - XXXX XXXX XXXX ( Original creditor, opened XX/XX/XXXX ) that had been added in XX/XX/XXXX. I immediately wrote a debt verification letter to the named collector, XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ) requesting a debt validation letter as I had not had any prior contact ( call, letter, bills, etc ) for this agency or original creditor. They have failed to respond to the debt validation letter. I also filed two disputes with the credit bureaus but those have not resolved anything. Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. The debt was last reported to the credit bureaus XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: MD
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 letter from XXXX XXXX  stating they have no bankruptcy on file from me .. XXXX  XXXX to say they verified this account with XXXX ... is XXXX verify this account when I have provided a letter from the vendor XXXX . This is my 4th time send this letter

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 2017-02-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i did a modification through mortgage servicer. Just prio to the modification they sent me a change of interest, reducing by 1.5 %. They refused to honor it, stating it was ubder XXXX guidelines, but XXXX states they do n't own the loan. I have complained to them several times, they said they do n't have to honor it. They wont accept the payment based on the new rate, which will change in XX/XX/XXXX this year and agin to the orginal in XX/XX/2018 When i intitiated my modification they did an analysis that showed it was {$25000.00} less than wed but never reduced the principal,, stating they do n't have to follow hamp guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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-Date of inquiry XX/XX/2019 XXXX-Date of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When Ever I apply for a credit card threw credit karma that they say I can definitely get approved for it always deny me after application is done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: EQUIFAX, INC.
State: TN
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:
I file a dispute in XXXX XXXX about XXXX Bankruptcies listed on my Equifax credit report. I received my results that they came back as verified. I am trying to figure out, how they were verified when they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Nelnet, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NELNET , INC. reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I reported an account opened fraudulently to Santander Bank using my personal information in XXXX of XXXX. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently

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 2020-06-09
Company: EQUIFAX, INC.
State: NV
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 am a victim of identity theft  my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX/XXXX account # XXXX XXXX/XXXX XXXX account # XXXX XXXX XXXX account # XXXX Are accounts open due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WELLS FARGO BANK MORTGAGES, { CROOKS } This is the XXXX time this year that fraud and perjury has been commited by this bank, and fined by the cfpb, yet no compensation has been passed on to the consumer? i think this is a deliberate act to making the consumer think that justice is being done to wells fargo bank, i request proof and proof of consumer recieved paymants, this bank and ceo XXXX XXXX is a lieying cheeting piece of scum, and should be in jail, the fraudulent mortgage fraud is far more important card and charges? and incured vast amounts of peoples moneys [ STOLEN ] by wells fargo bank [ mortgages ] there has been fraud, perjury, fasifying documants, Theft of moneys, counterfiting, all committed by staff for the banks gain [ greed ] i demand that wells fargo bank mortgages are brought to justice also corrupt [ tickiting ] judge XXXX XXXX whom has passed missery onto familys for his personal greed? bank shareholder, He mocked my XXXX language [ XXXX ] this bank needs to be closed down NOW

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 2022-05-13
Company: Kikoff 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:
I noticed and unfamiliar account was opened in my name contacted my bank and opened a fraud investigation with the unfamiliar account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Saw a payment in my account from Avail Blue. 
Called and told them I never applied for a loan. They said they had an online agreement that was from me. I asked for the XXXXXXXX XXXX so I can see if it was from my computer. 
They would not say or give me any other information. 
They kept saying they had my information. 
They said I had 2 business days to return the money with no fees after I told them I did not want it. I was instructed to call my bank and have them reverse it. My bank said they could not do that once the money was in the account. 
I called back asked how I could resolve this and they said by paying the money back with Debit Card. I asked the specific amount. They quoted me the {$400.00} which was exactly what was deposited. I paid and when I checked the withdrawal it was {$400.00}. 
When I called back to ask about this they put me on hold and was then disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: RS Clark and Associates, 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:
I moved out of the apartment XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX # XXXX at the agreed time and paid all my rent and utility bills on time, leaving the apartment cleaned. I never received any notice of any unpaid bills since then. I never received any security deposit back with itemization of deduction either. 7 months later, suddenly my credit score was negatively impact by a collection agency without any warning or notice of any kind. The collection agency indicated I owed {$450.00} on top of my security deposit {$200.00}. They have never sent me any itemization of deduction and never sent me any owed debt bills. Cleaning the already cleaned apartment shouldn't have cost {$640.00}. Also, the collection agency should've contacted me to verify the debt and negotiate a resolution before sending me directly to the credit report agency thus unfairly and wrongfully hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan with XXXX for my 30 year mortgage. It was sold last month to Chase mortgage. Ok, no problem but I was paying half in advance to reduce my total interest through the life of the loan. Chase says they do n't do that. Now I 'm being penalized as a consumer for no fault of my own. Should n't I have the same loan I had previous? Also earlier I had the loan with XXXX and they sold it to XXXX with the same loan payment schedule as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Dear CFPB, It appears that PayPal has once again frozen our account requesting the very same information they requested the last time they froze our account. PayPal is requesting documents which are not possible to provide in XXXX. Now they have even prevented my account from receiving funds from my clients and important donors from all over the world including the U.S.. PayPal is requesting utility bills as proof of business location in a country ( XXXX XXXX that still receives their mail in po box es at the post office. There are no utility bills that are issued to a business location in this country. All utility bills are sent to the listed po box . As a result, it is not possible to provide a utility bill as proof of business location. I have instead provided our business registration document which was issued in XXXX from the government of XXXX. It has the business location as an approximate area. But because it was not issued within the last 12 months, PayPal is saying they can not accept it. This makes it impossible to provide PayPal with what they are requesting since the government can not re-register us as a new business when we were registered back in XXXX. I am re-opening this case because PayPal is conducting the very same unethical account limitations as the first time I raised this complaint with XXXX  and The Consumer Financial Protection Bureau. I am requesting that the XXXX  provide me with assistance again so that this case does not arise again. I am also requesting that PayPal stop limiting my account just because I have done business in excess of USD {$200000.00} and I happen to be from XXXX. What they are doing is highly discriminatory and unfair. We raise funds as a church to feed hungry people in XXXX. The limiting of our account and the delayed responses after requested information has been submitted is very unprofessional. Since this is happening for the second time, we at XXXX XXXX XXXX XXXX request your immediate assistance. 

Kind regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Personal information incorrect

Complaint:
Transunion is reporting the wrong name on my credit report. I have never changed my legal last name to XXXX. My correct legal name is XXXX XXXX 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 2016-11-01
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My wife transferred funds using the Wells Fargo website to move the money from another bank in to our wells fargo checking account to cover bills that automatically withdraw. The wells fargo website said she was doing a same day transfer. That was the XX/XX/XXXX but the money did n't show up until the XX/XX/XXXX, and we got charged {$70.00} in late fees for the XXXX bills that withdrew, XXXX on the XX/XX/XXXX and the other on the XX/XX/XXXX. We were charged a {$35.00} late fee for each charge, including the one that withdrew the same day as the deposit, but was still considered as us having insufficient funds. I went in to a branch to talk with a banker and he flat said he could n't do anything about the fees because he showed the money was n't deposited until the XXXX. I told him I had the confirmation number that their website gave me and he still refused to do anything. I called in to the customer service phone number and was told that it was the other banks fault and i should talk to them. I confirmed with my wife that the transfer was initiated with wells fargo and called customer service back. I was told that the person on the phone could see the transfer being placed into the account on the XX/XX/XXXX, but had no way of knowing when that transfer was initiated. She told me she was transferring me and disconnected the call. I called back a third time and finally spoke with someone who was willing and able to help me. She was able to see that I initiated the transfer on the XX/XX/XXXX, that it was supposed to be a same day transfer, and that it was not deposited until the XX/XX/XXXX. After a brief check she told me there was a known technical issue with online transfers that was not fixed until the XX/XX/XXXX, which resulted in the delay. Assuming that she was being truthful, Wells Fargo knew about a technical glitch that was causing delays in deposits that had the potential to cause late fees that would cost customers {$35.00} each. Not only did they not notify customers that were or might have been affected, they did n't even tell their internal staff. So when I tried to get some relief from the late fees that should n't have been charged in the first place, their own employees did n't even know how to help me and thus refused. Those late fees, of course, are profit for wells fargo. So they have a financial interest in people not knowing that the late fees were in fact the fault of the bank. They did nothing to correct the issue and attempted to hide it from customers. I have spent XXXX hours today trying to resolve something that should have taken XXXX XXXX minute phone call. All so wells fargo can keep as much of the illegitimate late fees as they can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I reported this before & never got a reply. XXXX XXXX verbally agreed to let me make payments. I made all but {$35.00}. I never got a receipt for any payments made nor was I contacted about the remaining balance. I was told it would be removed from my credit if I made payments. Instead they garnished my wages for {$35.00} plus fees. It was never removed from my report & now shows I was in collections for the full amount negatively affecting my credit. They were in breach of a verbal agreement & I would like it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
On XXXX there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. XXXX XXXX illegally and negligenntly simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
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 at 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 2. It also states a customer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-09
Company: MARINER FINANCE, LLC
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:
Mariner Finance is double reporting and I would like them to update the balance to XXXX since they sold the account to another debtor who is also reporting the same debt which is a violation of the Fair Credit Reporting Act. The unpaid balance is {$5800.00}.

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 2016-12-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Recent flood insurance claim check was written to the mortgage company and me. it 's now in a secured escrow account and they wo n't release funds to start the repairs to my home. I 'm doing the work myself so they stated that I would have to purchase the materials first then they will reimburse me. So I have to come out of pocket first. They have also taken it upon themselves to make checks payable to the companies that we have submitted estimates for. I try to explain to the Insurance Claim Specialist that the quote was an estimate which can change based on how much material we will need she stated ; we would have to submit yet again another invoice. I tried to explain that this is holding up the building of the home to make it what is was prior to the flooding. She then expressed that 's it 's a process. I then asked for the written notice of this process she then expressed that its and internal memo and she can not share. She then said that I will be reimbursed by Tuesday for the materials that I have purchased so far and I have nothing yet. How is it that a bank can take it upon themselves that make checks payable to outside sources without my permission? 2 months post Hurricane XXXX and NFCU is no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My accounts have been charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't 3 weeks after I presented the issue to them and up to their legal department and several trips to their local branch office. 

I want the bank to refund all monies that is owed to me through these unauthorized charges since the opening of both accounts.These accounts were both checking and savings, only one option is being allowed in the drop- down field below.

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