BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against Wells Fargo Auto regarding continuous violations of my rights and the disregard of federal regulations.

Over the past year, I have made persistent attempts to opt-out of the reporting Wells Fargo Auto has been making to my consumer report, as per the guidelines outlined in 15 USC 1681b . Despite numerous attempts to rectify this situation and my explicit request to cease reporting, the company has persisted in reporting information without my written consent, which stands in direct violation of consumer protection laws.

Moreover, Wells Fargo Auto has failed to disclose my right to opt-out of reporting, which is a clear violation of 15 USC 6801 and 16 CFR 313.7. These regulations explicitly dictate that consumers possess the right to opt-out of certain disclosures and that companies are obligated to honor these requests, a responsibility Wells Fargo Auto has neglected.

I have sent formal notices explicitly exercising my right to opt-out, complying with the aforementioned regulations, yet Wells Fargo Auto has blatantly disregarded these notices and continued to report information without my consent.

Additionally, I sent a legal tender as settlement payment for the outstanding account, adhering to legal regulations and my duty to settle the account. However, despite this action, Wells Fargo Auto continues to request further payment, ignoring my attempt to settle the account in accordance with the law.

I am distressed by the continued disregard of my rights and the violation of multiple federal regulations by Wells Fargo Auto. These actions have caused significant distress and injury to my financial well-being and personal situation.

As per the aforementioned laws, I am seeking immediate rectification of the negative remarks on my account, adjustment of reporting to accurately reflect my payment history, and adherence to the opt-out request made multiple times. I request an investigation into Wells Fargo Auto 's conduct, compliance with federal regulations, and remedies to rectify the damage caused by these continuous violations.

I am looking forward to your prompt attention to this matter and a resolution that ensures compliance with federal regulations and the protection of consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was told that there was nothing that they could do and I would have to report the fraud myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
this company has already been sued by the state of Maryland for fraudulent practices when trying to collect old debt and they will not remove themselves from my credit report. case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AIDVANTAGE -XXXX XXXX XXXX XXXX aidvantage.com XX/XX/XXXX I have been trying to contact Aidvantage for months, emails, faxes, phone calls. XXXX transferred my servicer to Aidvantage XX/XX/XXXX. The problems ( 1 ) My students loans were discharged in XX/XX/XXXX by the XXXX XXXX XXXX finalized in XXXX. Aidvantage ( and you XXXX ) keep reporting the balance of {$200000.00} to the credit bureaus. ( 2 ) Additionally, Aidvantage incorrectly reports the loans were from XXXX XXXX XXXX. They were from XXXX XXXX I sent numerous emails, faxes, phone calls no one answers. This issue is intentionally hurting me and my credit. This needs to be corrected and reported correctly. I owe XXXX I have also contacted the CFPB, XXXX and my Senator. CORRECT THIS. 
I HAVE ATTACHED THE INFORMATION CONFIRMING THE LOANS WERE FROM XXXX XXXX 

Regards, XXXX XXXX XXXX Cc : file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
When Roundpoint bought our mortgage they continued to send out the wrong payment on our statement. Several calls to Roundpoint to fix our statement has only gotten worse. We are paying more in monthly payments even after sending them a separate check for our escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Medical Revenue Services contacted me on my cellphone regardless of my request that all communication be through the USPS, they have ignored my request nor they properly and in completed reply to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My loan was purchased by Mr. Cooper from XXXX XXXX in XXXX of this year. Little information was relayed to me about this transition, but I did get my account set up and autopayments were made in XXXX and XXXX on my account. Sometime in XXXX, they added a message in my account about autopay being turned off if I did not confirm it ( again? ) - this was not in a message center, but instead buried under statements -> miscellaneous documents. As a result, I did not make a payment in XXXX or XXXX. When I discovered the issue I talked to them and made a single payment, but their system would not allow me to set up autopay for " XXXX hours '' - I logged back into the system to set it up and that option was not available for several days. After setting up auto-pay I saw that my monthly mortgage amount had changed. This took another call to Mr. Cooper to find an obscure separate area for communication ( Again NOT located in the message center ) to find an " escrow analysis '' that had lowered my payment. I am in statistics and could tell that the analysis was incorrect and had me severely underpaying. Sure enough, I also discovered, through another obscure area of the site that they had inappropriately issued a check for overage to my escrow account that did not factually exist. This prompted them to need to apply this to my account which means I have to, yet again, turn off auto-pay and remember to come back in XXXX months to pay the difference in my XXXX payment and then AGAIN later in the month to reinstate autopay. I also found that they had discovered their issue with the escrow account analysis and although my payment had been $ XXXX up until XX/XX/2023, dropped to {$980.00} for XX/XX/2023 on, another escrow analysis has it increased to almost {$1400.00} in XX/XX/2023. This company has made it almost impossible to just simply pay my mortgage - canceling auto-pay, sending messages in obscure areas of their site ( with no link to the centralized message area ), and putting changes/policies in place that mean I have to constantly log in to manipulate options for payment. I have never been late on a mortgage payment in my life until Mr. Cooper and am facing additional months of constant manual and active requirement to jump through their hoops to simply pay it. A monthly payment swing of almost $ XXXX based on their poor planning is also not reasonable for a customer, especially with little to no communication. With loan % rates, it's not reasonable for me to refinance at this time, but it's completely unacceptable that Mr. Cooper can continue to operate this way legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
Years ago I refinanced my mortgage with New Rez. The number of the loan is XXXX XXXX. 

Full coverage was already in effect, through XXXX. Years passed without incident. Then, on XXXX XX/XX/XXXX, New Rez notified me that it considered the property inadequately insured. New Rez was wrong, but I humored it anyway and had XXXX send it a fax verifying full coverage. Six weeks passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a second time of the same imaginary deficiency. I reached " XXXX '' at New Rez. He poked around, found the fax practically in his lap, and pronounced New Rez satisfied. Two more months passed in silence. Then, on XXXX XX/XX/XXXX, New Rez notified me a third time of the same imaginary deficiency. Each of these XXXX notices threatened me with New Rez 's furnishing its own coveragewhich might cost me a bundle and still not protect my interests. 

Yesterday, I spent 30 minutes on hold and the rest of the evening awaiting a call-back. Today, I spent 10 minutes on hold and have spent four hours awaiting a call-back. 

Even the first notice was superfluous ; the second and third notices were, if such a thing is possible, more superfluous. These guys won't take Yes for an answer. Please help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I use BJs gas a lot so I got a credit card at the suggestion so a BJs associate. The dont let you use a XXXX XXXX so I had to use my physical address. I live in a rule area and we only get our Mail through a XXXX XXXX XXXX 
When I did use the card which was once to get gas it was XXXX. Because the Mail went to my street address it was lost for a week or so till the person that got it in the wrong box gave it back. 
Immediately when I got the bill I called told them to let them know and they waved the XXXX late charge. I also asked the representative what I owed and was that everything she said yes and told me it was all taken care of and wiped out. 
I never even looked at the bill in XXXX because I knew I paid it off and there should be nothing on it. XXXX came and I got another bill I opened it and it stated I owed them XXXX. I called them on XXXX XXXX and for 2 hours I went around in circles. The amount was not XXXX its now XXXX. 
The rational is that after I paid the XXXX there is an Interest of XXXX fee. A fee I knew nothing about. The representative I talked to said I owed nothing else. After talking to both the representative of capital one and the supervisor XXXX ID NUMBER XXXX. They told me they would wave the 1.50 interest charge but I will still have to pay the XXXX. I said if your waving the 1.50 interest charge thats what you assessed the late fees on then those should also be taken away. He informed me that if I dont pay these charges by XXXX XXXX I will keep accumulating XXXX charges all going on my credit report. For a card that was suppose to save me money on gas I now am paying XXXX for a tank of gas. 
I told them to turn off the card that none of this made any since. 
All of these call are taped Im sure and I dont know where to go with it. What a rip off. Then I found out that capital one has done the same thing to other people I know. Which is why Im coming to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, our vehicle was deemed a total loss, and my insurance company confirmed this, and reached out to TD Auto with them providing a pay-off amount. The insurance company promptly sent this amount, yet the company is claiming additional fees and interest due to a lack of notification about the total loss. However, they were indeed informed three times about the total loss, and their pay-off quote is valid for 30 days. Despite this, they are not honoring their commitment. TD Auto also stated that the would back date the fees/interest if they received a total loss statment with the date of the loss but they are not honoring that as well. This situation is highly incorrect and needs to be resolved appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITY BANK/AVENUE Is reporting on my credit report that I owe {$1000.00} in which I have never opened a credit card with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Reference num. XXXX  Account from XXXX XXXX XXXX

For the amount of XXXX
I never seen herd of these people or company ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Milestone Parrish LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Milestone Parrish acquired a debt deemed uncollectable from XXXX XXXX that includes a name I previously used but legally changed, an address I previously used, and my social security number. The purchase was made online with no ink signature for three sets of tires. At the time of the alleged purchase ( XX/XX/2019 ), I worked at a business at the address in question but no longer used that address personally as I had sold the business to another corporation. Since I maintained a daily presence at the business, I would have noticed if three sets of tires were delivered to that address ( however, nobody has been willing to disclose the delivery address of the tires to me ). Milestone Parrish engaged a company called XXXX XXXX XXXX to collect the debt earlier this year, but when they could not validate the debt, they declined to continue action. Recently, Milestone Parrish engaged XXXX XXXX XXXX to try to collect the debt. I never heard from this company until I reached out to them myself once they had reported the bad debt to the collection agencies. They were unable to validate the debt and have declined to continue to pursue the collection. However - I fear that this will continue with yet another debt collector as Milestone Parrish shuffles the debt. The debt total is {$4600.00} and it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Affirm Holdings, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Affirm is contacting me via phone multiple times per day along with emails and txt messages to try and collect even a early as my due day! Sent email asking them to stop, but nothing has changed. Even brought up the Fair Debt Collection Practices Act, and still no change in the harassment by Affirm!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV HAS CONTIONUSLY DEFAMED MY CHARACTER BY REPORTING EROONEOUS INFORMTION TO THE REPORTING AGENCIES EVEN AFTER I HAVE DISPUTED AND SHOWED PROOF THAT THIS IS ERRONEOUS INFORMATION THE AGENCIES WILL NOT REMOVE/DELETE THIS INFORMATION BEING REPORTED BECAUSE LVNV CONTINUES TO STATE THAT IT MEETS THE FCRA BUT WILL NOT PROVIDE VERIFICATION OF HOW THEY ARE MEETING THE FCRA THIS IS A VIOLATION OF MY RIGHTS AND IF THEY ARE NOT TO BE HELD ACCOUNTABLE THEN WHAT ARE THE LAWS PUT IN PLACE FOR THEY HAVE XXXX ACCOUNTS THAT THEY HAVE PURCHASED ARE THEY EVEN IN THE RIGHTS TO COLLECT ON THESE ACCOUNTS WHICH IM NOT CONCERNED WITH BECAUSE THEY ARENT ANY RELATION TO ME AT ALL I HAVE BEEN GOING BACK AND FORTH WITH THIS AND AT THIS POINT ITS TIME TO REACH OUT TO CFPB AND MY ATTORNEY BECAUSE THEY HAVE VIOLATED ON NUMEROUS OCCASIONS AND I HAVE PLAYED NICE BUT IN THE MIDDLE OF CLOSING ON A HOME FOR MY FAMILY THEY WONT TO REINSERT THEMSELVES WITH THIS AND NOT INVESTIGATE FULLY AND PROPERLY THEN I DONT KNOW WHAT ELSE TO DO I LOOK FOR A REPLY AND A REMOVAL/DELETION OF THE ACCOUNT LVNVXXXX LVNV-XXXX IMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from a friend for {$21000.00} into my account. They have since closed my account and refuse to release the funds even though my friend and the issuer of the check are going through hoops to verify that the check is legit. They said the only way to verify my friend is through a cell phone that is registered to his name. He tried the one he had and then went and bought a new phone and still they said their computer program they use will not verify those numbers. They say that it could take 6 months for the phone to get verified. Ive had to get a new bank account and change my bills over to the new account. Countless visits and phone calls have just been a waste of time and my friends {$21000.00} is stuck in a closed account with no explanation how to get it released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Westcreek Financial
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the bank XX/XX/2023 and was informed by bank personnel that I could not get a bank account because I was declined due to west creek financial dba has some thing on the XXXX  saying abuse of credit and Ive never even heard of this credit union before and never had a bank account or anything with them before and looking at my credit its there but says closed and they have it on there saying I owe them XXXX dollars original balance of XXXX Ive never had them in my life and I didnt even live in Oklahoma when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didnt know about the {$160.00} dollars I owed after moving out of my apartment until it showed up on my credit report as a collection. I immediately called and paid the amount to the collection agency and asked that the report be deleted from my credit history. They told me they would update it. The report is still showing up on my credit and affecting my ability to purchase a home. I called both the original creditor and the collection agency to ask for a good faith deletion and told them I did not know about the money owed till it showed up on my credit report. They refused to request the credit bureau deleted the {$160.00} collection that I paid in full as soon as I knew about it from my credit report. I spoke with XXXX XXXX the client and XXXX about writing a request to have this satisfied debt of a small amount that has an outsized effect on my ability to purchase a home be deleted. They refuse to offer any solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I never received an email from the company capital one that I was apart of the class action lawsuit. I stated to them on XX/XX/2022 that I mailed them the form and they stated they never received the form and it had to have a tracking number. The form was sent standard mail. I am eligible for the lawsuit according to captial one class action lawsuit. My data was compromised and they told me they could not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: U.S. BANCORP
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i do not know where those inquiries came from.

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 2023-10-18
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Credit reporting 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:
i have been fighting this for XXXX months now. i never inquired about a car and have asked for these inquires to be taken off my credit report.

Company response to consumer: Closed with explanation