BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recover Solutions is attempting to collect an alleged debt. I have sent the company a cease and desist along with a debt validation letter and there has been no response from the company, and they continue to furnish this information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I bought clothes with my sears card XXXX XXXX XXXX XXXX in the year XX/XX/XXXX and the account was paid off in XX/XX/XXXX. Now CitiBank sold the debt that I do not owe anymore to XXXXand they are charching me {$1500.00}. I receive a letter now that I contact you and Citi said that I do not owe nothing that the debt is for XX/XX/XXXX XXXX so I do not now wht to do and my credit report is geeting affected. Plese help me the case with you ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt XXXX net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX Equifax and XXXX are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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, XXXX XXXX, consumer, original creditor have found out that these accounts listed below have not been deleted off of my consumer report. There was no consent nor did anyone give permissible purpose for the accounts listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. Pursuant to 15 USC 1681b ( a ) ( 2 ), consider this as my written instruction. Furthermore, as defined in 15 USC 1681a ( g ), please provide me with a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Filing a complain against Experian rep XXXX from fraud department. 

To whom it may concern, this complaint is to notify you that on XX/XX/XXXX at XXXX I spoke to XXXX to file a unauthorized inquiries on my credit report. 
I mentioned 3 companies:1 XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 
XXXX refused to submit my request. 
I told her that is my rights to dispute any inaccurate information on my credit report, that a letter was sent to the issuer and to experian. 

Your cooperation in advance is appreciated Sincerely, 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 2016-10-06
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Our 2nd mortgage ( lien ) with Wells Fargo was released ( without request ) and has now driven down our credit scores so now we ca n't get credit. At the end of the term, we were unable to pay the full amount of the loan, but kept making monthly interest payments, which WF would not accept and returned to us.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 constantly requested from transunion and the debt collection company to validate my debt : the contract that I had with them and my signature and show me proof that I did business with them by sending me proof thru mail. And within a couple hrs they released to from investigation. They have not sent me any proof of validation.

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 2016-05-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My auto financing company continually harasses and uses threatening tactics. My payment is due on the XXXX of every month. I have never been 30 days late on my auto loan. Anytime I do n't pay of the XXXX or have a promise to pay. They harass me everyday via text messaging, phone calls, and email. Usually it 's a phone call and text on the daily. I 've received threats that they 're coming to pick up my vehicle. They informed me that I 'm going to have to pay double. There very rude and nasty when I do speak to them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our XXXX XXXX XXXX home loan for our house XXXX from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, XXXX XXXX, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application was denied because the bank 's appraisal of our home came in much lower than was necessary to approve the loan based on equity in the house. The appraisal was much lower than market price, lower than the town appraised our home at for tax purposes, as well much lower than an appraisal that was conducted six months earlier. Nevertheless, because the bank denied our refinance application to a 15-year loan as submitted and it would cost us additional money to contest the bank 's appraisal and request another XXXX, we requested the refund of the fees we had paid for our original request because it was denied by the bank. There is absolutely nothing in the TD loan document paperwork we signed that said these fees were nonrefundable. ( There was a special notice to XXXX residents but not to XXXX or homeowners in other states. ) In fact, bank representatives assured us our fees would be refunded if we had gotten all the information to the bank in a timely manner -- which were did -- but the bank denied the loan and that if we were n't denied, we 'd be able to receive a {$700.00} closing credit because we had submitted all our paperwork in a timely manner. Instead we are stuck with a {$600.00} charge on our credit card by the bank. By not disclosing that these fees for the appraisal report and credit report were nonrefundable -- no matter whether the bank approved the loan or not -- the bank is engaging in false and deceptive advertising of its refinance loan products and services. We request CFPB contact TD Bank to have our fees returned but also to correct this deceptive marketing issue for all other customers as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Capital One QuickSilver credit card in XX/XX/2021 mainly because they offered {$200.00} cash back if I spent {$500.00} in 3 months. Also I thought it would be convenient since most of my banking is with Capital One. I spent more than {$500.00} in 3 months but was not given the {$200.00} cash back. When I inquired to the QuickSilver customer service, they said that they actually had 3 different QuickSilver credit cards and I was given one without the cashback feature. I was not informed of this. Also I have a credit score of over XXXX so I don't see why I was given an inferior card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Id like to make a complain about the XXXX XXXX. I paid XXXX dollars in one payment which covered the whole balance of the account only to see that the next day there was a XXXX dollars balance. I called to ask where that balance came from when I just paid the card in full and they claimed it was from a pending purchase plus 12 dollars of interest. The last purchases were on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX. I dont understand how those purchases were still pending when it had been 2 weeks since those purchases. Id like to get those 56 dollars back and keep the card closed. 

XXXX XXXX XXXX XXXX 23 {$23.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX XXXX for amount XXXX REWARDS 23 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XX/XX/XXXX XXXX XXXX XXXX 46 {$22.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX for amount XXXX REWARDS 46 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XXXX/XXXX/XXXX XXXX XXXX 25 {$25.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX for amount XXXX REWARDS 25 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT 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 monetary relief
Consumer complaint received 2017-04-03
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
About 8 years ago, I lost my house to foreclosure ( surprise surprise ), and when I was in the process, I stupidly asked the HOA if I should pay them after I had vacated the property. They told me no ... 
So I did n't, long story short I should have paid them for the time between when I vacated and when the property was actually foreclosed on. I tried to pay them but they would jack up the amount each time I did, adding fees and interest. they took me to small claims court, and tried to sue me for an amount that was nearly XXXX the original amount, judge had me pay the original amount plus some fees, but not the jacked up difference. I then paid that amount, but they sold the difference to a collection agency. 
I have the paperwork for the court saying the debt is paid in full, but this collection agency has been chasing me for years, and now they have brought my wife into it, by putting the debt against her, so its dinging her credit, even though we married long after I had bought the home, and was never on the hook for the mortgage, deed, hoa, or anything and during any of the legal proceedings had nothing to do with it. it only happened about a year ago when we were doing our yearly credit check, and we saw it show up on her credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: PNC Bank N.A.
State: OH
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:
XX/XX/2021 Checking account {$460.00} self service wire transfer out {$25.00} wire transfer fee XX/XX/2021 Savings account {$150.00} wire self service transfer out {$25.00} wire transfer fee PNC BANK XXXX XXXX XXXX  XXXX Bank account was hacked. Notified Bank immediately. Was told 10 days to have my money returned. Then told 45 to 90 days. Now told possibly never. I can not get any information about this case. Please respond ASAP. Already filed dispute with FDIC. Waiting on response. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: Mr. Cooper Group Inc.
State: DE
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 submitted a request on XX/XX/XXXX with the three credit bureaus. On XX/XX/XXXX I sent them another letter stating. I have no heard a response. I sent a complaint to the CFPB and this morning. I received a response about other dates in XXXX when I had disputed this complaint. The information was not accurate. There was nothing about my complaints I sent on XX/XX/XXXX. Therefore, this information must be removed from my credit report. It has been well over the 30 days from my complaint on XX/XX/XXXX. Please remove from my report. I received information from the credit bureau they received my recent complaint but no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have had this card open for more than a year. Use it for my direct deposits from my employer and for all purchases. I recently returned 7 items back to XXXX and this company put hold on account. I tried to contact customer service and told nothing they could do. So now I can not access my money and company refuses to help. This is very poor as I should have access to my funds

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 2021-04-21
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX Ocwen Loan Servicing applied an " inspection fee '' in the amount of {$13.00} to my mortgage balance. This amount was added to the regular monthly statement on the XXXX statement. 
I phoned Ocwen on XXXX. I spoke with an agent and asked for documentation showing that I had agreed in writing to be liable for this charge. Several letters and many phone calls have been exchanged since my initial call on XXXX. To date, Ocwen has neither provided me with documentation proving that I am liable for this charge, nor have they honored my repeated requests to remove the charge from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear XXXX, In the last 9 years, my husband and I have tried to get a home modification loan on XXXX separate occasions. The first time was in 2011 when I was unemployed. At that time we were going on XXXX late payments and the loan servicing company ( IndyMac ) sent an intent to foreclose letter. We took out a loan via a family member to avoid foreclosure because I researched that other IndyMac customers had experienced that IndyMac would foreclose immediately and would never try to assist but hold up the loan modification paperwork. They had already sent someone to take pictures of our home so we knew it was only a matter of time before they would continue to the next step in the foreclosure process. 
Currently, Ocwen is servicing the loan and again we applied for a loan modification but was denied. However, Ocwen recommended a short sale. We were informed that we were not delinquent although we communicated in an affidavit hardship letter what our fixed incomes would be when we retire and they continued to ask for more and more paperwork. We were trying to prevent a foreclosure or short sale so we were hoping they would refinance. 
To date, we have invested XXXX of dollars in our home so we would like to keep our home as now our payments would be going more toward the principle and eventually we would be able to sell our home to at least break even and not damage our credit score. I find it extremely difficult to believe that there are no other options for individuals who could not obtain FHA loans before the housing market plummeted and were literally forced into high interest jumbo loans via XXXX and XXXX conventional/equity loans respectively. We are unable to refinance homes that are significantly under water yet the loan servicing companies have collected XXXX just in interest alone but encourage foreclose or short sale as only options, yet we have decent payment histories. 
What are the options for individuals who are already living pay check to pay check because of these high interest jumbo loans on properties that are significantly underwater through no fault of their own? To continue to pay a loan for a home with a significantly diminished value or risk foreclosure or short sale and the home is resold to someone else for XXXX of your loan amount are all horrible options. We would appreciate your advisement and assistance to seek a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hunter Warfield was hired by XXXX a property management company and is trying to collect rent from I lease of an apartment I had to move out of because it flooded and there was mold left in the apartment after the repairs. I have several e-mails where the management is apologizing for the constant alarms in the middle of the night due to defective fire sprinkler systems. For two months I had to stay in hotels and on my return I found the apartment was not properly repaired. I made several attempts to have the mold removed but the repairs were not done. I was forced to move out leaving three months on the lease and they refuse to take it off my credit report now costing me more in interest rates for loans. I have photo 's of the flood as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation