BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX of 2012, I had applied for an Dillard 's store credit card. I had never used it. In early XXXX of 2013, I had lost my wallet at a movie theater. I reported the card as lost/stolen to Dillard 's and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XXXX 2012. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to Synchrony Bank. I had assumed everything was settled at that point. Now I am receiving collection letters from a XXXX XXXX, XXXX collecting on the same debt. 
XXXX XXXX, XXXX is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express sent us a notice that their revised Penalty APR is now 29.99 % and " If the penalty APR is applied, it will apply for at least 6 months. '' 1 ) You should be leading the effort to cap interest rates credit card companies can charge.

2 ) We're still in a pandemic with millions of people suffering financial hardship.

Please work to fix this. Do not ask me to contact American Express. There is nothing for me to talk to them about. Just fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Early Warning Services, 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: Information belongs to someone else

Complaint:
I have been fighting with this company for years I am not the person who opened these accounts and I never signed anything for these accounts, im not sure who stole and used my information but the back refuses to help correct this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2016-01-24
Company: ZestFinance
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Zest cash has continually debited my account on a weekly basis for various amounts. Despite the original amount not being held with sufficient funds. Each attempt incurred a XXXX dollar ACH fee with XXXX XXXX. Should the initial debit fail several others will take place.I have also noted that the website does not offer the ability to check your account or even offer to take a loan out in my state of Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
I am unclear why my equifax score is below 800 but my XXXX XXXX score is over 800. I pay my bills ahead of time and have no late or missed payments. My fica score is around 833. I dont know how equifax came up with this score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An unknown person stole my identity about a month ago. They even came to my house to steal SIM cards they ordered from XXXX XXXX XXXX in my name, so they know where I live and have interfered with my mail. They tried to open checking accounts with a number of institutions, many of which blocked them. 

Chime, which is owned by XXXX XXXX XXXX, allowed them to open an account and even sent a checking card to my house. When I tried to cancel the account, they told me that they couldn't find it even though I had the account number and card number. I'm afraid this person has somehow changed the name or social security on it and is using it right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In or around XX/XX/XXXX or XXXXWells Fargo Home MortgageSent a letter stating we were behind about ( 3 ) months we promtly made copies and faxed receipts to them. 
We were told by a lady named XXXX '' Oh MY there is a discrepency here we need to further investigate '' Up untill XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) Everything was fine. 
We were notified by mail and by phone we were behind {$2800.00}. We again faxed all documents and receipts as well as got {$3000.00} In money orders. ( XXXX XXXX ) ( XXXX ) {$500.00} XXXX XXXX Money orders. And sent in as well for their feesWe were again, notified That house was up for foreclosure sale. 
We promptly called and the excuses I got are as follows1 ) we did n't know where to send them ( which dept ) 2 ) you did n't send enough3 ) our computer did n't recognize the $ XXXXincrement4 ) I 'm not sure where your money orders even are.I think they got sent back to you! 
since that time Wells Fargo Home Mortgage. Has caused me to file bankruptcy because of these. Mishandling 's of our payments, I again may have to file bankruptcy. 
Wells Fargo Home Mortgage Has NO BUSINESS handling people 's money! 
They. Have not only lost 7 months worth of payments they also lost $ XXXXTheir incompetent and irresponsibility has caused undue emotional distress, caused my credit to be destroyed. Has caused financial hardships and countless other things. 
I can not get another home loan due to their mismanagement of funds ( payments ) I recently found out they are trying to foreclose on our home yet again. 
Something NEEDS TO BE DONE ASAP!!! 

Thank you for your timeXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A representative of G C Services contacted me, on my cell while I was at work, and stated that I was listed a reference and asked for the contact information for another person. I asked what it is was in reference to and she said she could not tell me. I then asked the name of the company, which she gave, and asked what type of company it was. She said that she could n't tell me. I then asked for their company 's web address and she provided me with an incorrect website. When I told her that was n't the correct website she provide me with a different website. At first I offered to pass along their number to my friend, but then told her that I would not pass along the message because she could n't tell me what I was listed as a reference on. She told me she could n't tell me or even what type of a company they were, but that I could look it up. I did exactly that out found out that they are a collection agency. I told her that she was using very deceptive calling practices when she implied that she was calling about a reference. I told her that they were a collection agency and that I was not authorized to give out any personal or work information. She then asked if I could pass her number along and ask my friend to contact her, which I again refused. I asked her to remove me from her calling list and to not contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have another complaint with Consumer Portfolio Services as well. I was going over my current credit report and noticed that CPS has closed the account and charged it off as of XXXX XXXX, 2015. They are still charging me fees and showing a monthly increase on the account, and trying to receive payment for it. How can they do that when they closed and charged off the account??? Also, the vehicle is still sitting on my property, which I am getting charge additional storage fees from my landlord, as it states in my lease that I am not allowed to have any unregistered vehicles on the property without incurring additional fees..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother died 5 years ago. One year before that she signed the deed over my to name. When she died I contacted Bank of America 's legal department and they sent me a whole bunch of papers that I had filled out notarized and signed back to them. I called now because Governor XXXX put into effect that mortgage payments can be waived for 90 days. Since I am not working because the school I work at is closed due to the virus and I am not being paid, I called Bank of America to try to find out how the 90 day waiver worked. I am being told that I can not speak to anybody unless I get a court order saying that the house is mine. I have been paying this mortgage for 5 years my name is listed all over the contact information I am the daughter of the person that owned it, I have lived in this house since I was XXXX  and sent them all the paperwork you needed. Now in the time of state of emergency you're telling me I need to go to court to get a court-approved document saying I own the house when I already have a deed, to speak to somebody. They are asking for me to obtain a document from a court saying I can talk to them when all the courts are closed because of this virus. They already have all the paperwork in their possession. I am the last of my family I have no other family living. She did have a will and everything was left to me since I was the sole survivor or heir however you want to put that. I have given this information to them before and they have told me the information I needed when I called and now all of a sudden during state of emergency they're telling me I need to go to court to get a document saying the property is mine when I have a deed saying it is. This does not have to go through probate court because there is nothing to probate and they will not understand this. The property is listed as an estate on their Bank documents how would they know to listed it as that unless they got all the information from 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 non-monetary relief
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have reported these items on my credit file to my credit reporting company ( equifax ) as these XXXX items not being mine and they have refused to remove them and have costs me {$1000.00} 's of dollars and costs me employment and mortgage loans ... .These items are XXXX BANK LOAN for {$19000.00} that is not mine and has XXXX appeared on my file in XXXX or XXXX i immediately notified XXXX bureaus and it was removed from XXXX and XXXX but equifax refused and i asked then to prove this is mine with invoices they i have signed or statements from the company or even loan docs that are for this loan and they have flat out refused my demands breaking the laws put in place by the fcra i want them to prove this is mine and they have refused my requests i will continue to file complaints until this item is removed. The other item as well is not mine and i have requested for over 2 years to remove this as this is not mine Nissan/Infiniti that is not mine and according to the fcra i requested docs stating this is mine and they refuse my requests to show these docs to me signed by me and if they cant show me the proof they must remove it according to the fcra law, they are breaking a federal law and i demand these items be removed at once or i will file a 10 million dollar lawsuit in federal court if it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.

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 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have not been able to pay of loans and Navient ha offered forebearance each time I can not make my payments Which are to high to pay back and I went to University XXXX XXXX and can even get job I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I signed up for a membership online, when they couldnt get my online information to work for Payment, they called multiple times a day, threatening to quit payment threatening to cancel my membership and now sending me attorneys at law letters. The Way they do business is unacceptable. I couldve just gone in and paid for the membership if they wouldve called nicely, but the harassment was out of control, and I never even used the membership because of them not receiving payment. I thought because they couldnt get the automatic payment to work that they were not activating membership. However Im being charged over {$300.00} for membership that was never used I believe it was never even activated, so it was never even used. I thought it was invalid because the payment never went through. All while they have been charging me fees and a monthly rate. They are crooks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
After receiving a pay cut from my last employer, my wife and I started having financial hardships trying to make payments on all of our current debts. Eventually, we had to place our home up for sale. We had both a XXXX and XXXX mortgage against the house. Once we listed it for sale we had to reduce the asking price trying to get the house sold. The final asking price was accepted and would turn the house in to a short sale situation. Our realtor and our settlement attorney have been working together with both mortgage holders to secure the short sale and get this process completed. Specialized Loan Services ( SLS ) has been very demanding and has turned the situation in to a nightmare for us. The new buyers are still hanging in there but every time my attorney tries to push forward we are constantly being asked to provide additional information, updated contracts and various other documents that have greatly delayed the short sale process. This continued poor service with delays and unreasonable demands are putting my wife and I in danger of being foreclosed rather than both mortgage holders working together with my attorney to process the short sale of the house. My attorney resides and works in Maryland and has worked with several banks, sellers and buyers to accomplish the short sale process. She knows what is legally needed and what are the acceptable documents required to facilitate a short sale. Haggling over listing agreement dates when there is a valid contract in place is not something legally required, but is being used as another delay tactic. I 'm not sure why this process is taking so much time and effort on so many people when there is a seller, buyer, accepted contract, a realtor and an attorney all working together to complete the sale of our house and a mortgage holder that had drawn this process out to an absurd amount of time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: FL
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:
As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My employer has received a robotic collection call at the switchboard from this agency several times a month for over two years! This must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have called in at least twice and logged un numerous times over the past 6 months, to figure out when and how much my student loan payments would be and every time I receive a different answer. I finally was able to get an answer online compiling all the paper invoices and its a few XXXX dollars higher than expected. One of you employees was actually off by an entire month on when the payment was due! 

I do not blame the individual, clearly there is a systemic issue on your end and it makes no sense how you have managed to stay in business. I had budgeted for a much lower repayment ( which has changed drastically about 4 times since graduating in XXXX ) and unable to even verify at which point my loan payments will settle into their " flat XXXX year payment ''. 

I was quoted the payment being mid XXXX in XXXX in XXXX to my surprise it had changed to XXXX, as of earlier this month it was XXXX. Now I come to find out the true payment is XXXX student only loans + XXXX for parent loans. The parent loan alone were quoted as a repayment of XXXX. I can not understand how the payment is now more than 3 times the quoted amount form earlier today. 

If I were to make the flat payments it would mean paying out more than my current after take income. I am not upset at the loan balances for they are the price of my education, I am upset at the lack of proper and correct communication on Navient 's behalf that has made it so my planning is now inadequate. 

I will be submitting a complaint to the consumer financial protection bureau, I am unable to pay my debts if the correct amount due and the payment day is being miscalculated. I was also told that ACH payments were made 5 days ahead of the due date. Having a background in backing I would love a valid explanation to this. It seems all other lenders and major utilities can receive and make payments on the correct payment date but for some reason Naviet requires there payment to be 5 days ahead of time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Credit Service Company, INC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My spouse passed away XX/XX/XXXX. I received a bill later for a medical charge from XXXX, XXXX XXXX, CO. I sent a note back saying he was deceased. I received another bill and I sent a copy of his death certificate. Now I received a letter Service Credit Service to " COLLECT AND IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' i will be XXXX years old and on a fixed income due to his death. He was the main holder of our insurance through the Fed. XXXX XXXX. I lost my insurance plan due to his death and had to get my own individual plan and it was cancelled XX/XX/XXXX and then I had to get another plan which did not start until XX/XX/XXXX. 
Am I responsible for his medical bill? Since they do not accept the fact that he died and see his death certificate, what can I do? Will this affect my credit rating? Please advise what can be done.. 
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 explanation