BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: MONEY SOURCE, INC., THE
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home and paid off our mortgage withe The Money Source. The closing was way back on XX/XX/XXXX, XXXXThe Money Source was supposed to mail us an escrow refund check in the amount of {$1900.00} within 10 days. As of today, XX/XX/2021, we still have not received our escrow refund. We need this refund asap. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 payment history shows XXXX days late however the information reporting is incorrect. I have tried reaching out to the mortgage company " Shellpoint '' to get this corrected however no there has helped resolved this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The title company, First American Title Insurance Company, sent the closing documents, including SSN, address and financial information, via unsecured and unencrypted email. If my personal information is obtained from the unencrypted email could result in identity theft. 

The title company is negligent in handling this type of very sensitive information. Contact the company but they do not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: National Management Recovery Corp. (NMRC)
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I owe XXXX {$3000.00}. I encountered financial roadblocks due to COVID 19 pandemic. On XX/XX/XXXX, my father was diagnosed with XXXX XXXX. He was out of work until XX/XX/XXXX. During this time, I helped to support my parents financially. I also got behind on payment during this time due to the support of my family. I had contact XXXX to inform them that I would set up a payment plan. On XX/XX/XXXX, I received a call from XXXX ( XXXX, EXT XXXX ) informed that they were going to pick me up, contact my place of employement, take me to court, etc. 

I informed XXXX that I would set up a payment plan due to not having the funds. When the payment tried to run, my bank declined the payment due to fraud alert. This was on XXXX XXXX, so the bank was closed. I informed them that I would contact my bank on XX/XX/XXXX to speak with them about the block. During the day on XX/XX/XXXX, I was very busy and was unable to take their call. I received another call stating my information was being pushed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
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 information incorrect

Complaint:
Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous corr ections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX  and XXXX  still shows an outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Netspend Corporation
State: WI
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:
There was a cash back rewards program added to my online account while I was reviewing transactions. I did not ask for this cash back rewards program. I believe it is stealing money from the account. Please check the html coding inside of the rewards box.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice loan was past due around the first of XXXX. Thought it was a scam so we threw it away. One Main Financial sent a new request dated XX/XX/2022, stating that the current balance on this loan was {$10000.00} and they offered a " settlement offer '' of {$5300.00}. I have zero loans on anything. I pay cash for everything and have the last 40 years. I only have two credit cards, which are paid in full monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car lease was for 3 years. When I returned my car at the end of the lease the GM Inspector said he has never seen such a pristine looking car in all the 20 years he has been inspecting. I realize that there was a Disposition fee and the end of the lease thinking they would take in to consideration on how clean the car was when it was returned but when I received the bill they wanted the entire balance paid with in 2 weeks.. XXXX is 2 weeks away and I'm on a fixed budget. I pleaded with them to make payment arrangements. The balance is {$520.00}. This money was for my children 's XXXX. We are not rich and can not possible make that payment. They offered to cut it in half. Pay {$260.00} today and the remainder the following month, but added another {$10.00} fee! Who is running this company ... MR.XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: NAVY FEDERAL CREDIT UNION
State: IL
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called Wells Fargo to have a something called a " cash back '' rewards program removed from my online banking account. I believe the HTML coding is stealing money and funds are leaving my account unnoticed. I called Wells Fargo in the past to have this rewards program removed and they have refused to removed the coding. All of the transactions in my online banking account are all out of order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Attached are 2 pages from XXXX XXXX XXXX XXXX, showing a two page  customer account activity statement ( caas ) showing ZERO late charges against our account in XX/XX/XXXX. The Credit Agencies show late payment charges fromXX/XX/XXXXfor ten months, these are wrong and need to be urgently removed from our Credit Reports The caas shows zero late charges in XX/XX/XXXX. It also shows any late charges prior to XX/XX/XXXX were waived, in settlement by XXXX. Such late charges were made at a time when XXXX, under old XXXX XXXX XXXX, were unfairly making false charges aginst their own customers. In fact there was only one initial occurrence of a late charge when l was XXXX XXXX and in XXXX XXXX. After that ongoing XXXX of XXXX XXXX stopped me from working., However we never fell behind after the one occurrence. We paid on time every month thereafter.We argued this with XXXX and they refunded all late charges XX/XX/XXXX. Credit Agency/s are wrong and unfair in PERPETUATING these refunded charges made prior to XX/XX/XXXX. The TWO key issues are ; 1 ) XXXX confirmed no late charges were posted to our mortgage account in XX/XX/XXXX. The credit agency/s must remove all late charges from my account in XX/XX/XXXX ... .as there were no late charges. These incorrect XX/XX/XXXX reports are stopping us from buying a new house. We have been told by other mortgage banks, no loans will be extended to us till the end of XX/XX/XXXX, because of this error in credit reports. This may stop us from ever buying a house, because the costs in an apartment are drawing down our deposit savings. The Credit Agencies must do this urgently, as every day they delay they hurt us considerably, At XXXX we do n't have the time, nor the savings account balance, to sustain further delay. We have always paid our taxes and been good citizens. We have been XXXX XXXX for many years. 2 ) The 'caas ' shows ALL late payments charged prior to XX/XX/XXXXwere removed from our XXXX account. XXXX credited late payments back to us on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Account has been restricted since XX/XX/XXXX. The bank deposited and withheld {$600.00} stimulus refund from consumer which was deposited on XX/XX/XXXX. XXXX is obligated by law to have those funds. When speaking with the IRS in regard to issuance, it was in fact informed that Capital One should have returned those funds to the IRS because the account was restricted upon deposit and they did not. When speaking with Capital One on today XX/XX/XXXX a representative by the name of XXXX informed consumer that she does not have authorization to those funds because of the account having a negative balance. However, on the opening message to consumers when calling Capital One it states that any stimulus, or child tax XXXX XXXX payments that are deposited into a restricted account are returned to the IRS. I am by law entitled to these funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX. A XXXX  prepaid for XXXX XXXX. She decided not to proceed with the XXXX treatment- so I gave her a check for the full refund. She deposited the check into her Chase Bank account. After processing the check through my account, Chase stated the check was fraudulent and put the funds into suspension. Chawe also closed the patients account and kicked her out of the bank. 

I can not retrieve the funds nor can the patient be given the funds according to Chase Bank.. Chase requested I go into a branch with the patient - which I did. I gave Chase bank several IDs + my tax returns + multiple other documents demonstrating my ID and ownership of the XXXX XXXX. I also emailed these documents to Chase. 

Chase Fraud department said they did not receive these documents even though i have email confirmation. Chase Fraud said I can not mail, fax, or email any documents directly to them. 

Of all parties involved, Chase seems to be the entity committing Fraud - keeping the amount I paid the patient iindefinitely ub suspension unless I retain an attorney.. 

My bank has also connected with Chase on multiple occasions to confirm the check and my identity- this is ridiculous! watch out for Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: ND
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 and have been a victim of identity theft for over 11 years. The following  2  accounts and credit inquiry are fraudulent :   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX / XXXX /  XXXX  , Further, I want the following personal information added to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX  Position :   XXXX   XXXX   XXXX   XXXX   Annual Salary : {$150000.00}

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 non-monetary relief
Consumer complaint received 2017-06-06
Company: Experian Information Solutions Inc.
State: PA
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 disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to 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 explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: PA
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 disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Komyatte & Casbon, P.C.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Komyatte & Casbon P.C. has issued a debt to me without verification. This agency was issued a dispute and given explanation that debt was not applicable. Komyatte & Casbon P.C. without verification of debt sent derogatory marks to all credit bureaus that resulted in me receiving negative credit reports and disqualification of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In or around  XXXX  of  XXXX ,  XXXX  sent my account to GC Services Limited Partnership, a collections company in error. The balance on my  XXXX  account was incorrect and was initially disputed in or around  XXXX  of  XXXX  as illustrated in the attached Better Business Bureau complaint. Moreover, I had to initiate another billing dispute with the Better Business Bureau in or around  XXXX  of  XXXX  regarding my  XXXX  account as it again reflected the wrong balance. Since  XXXX  of  XXXX  I personally tried to resolve the issue with  XXXX  to no avail and ultimately resolved the issue by contacting the Better Business Bureau. Despite  XXXX  acknowledging their errors, they still allowed GC Services Limited Partnership to report my account as a collections account.  <P/> Despite the fact that I have spoken with  XXXX   XXXX  from GC Services Limited Partnership on multiple occasions to get the collections account removed from all   XXXX    (   XXXX   )  major credit bureaus when they have acknowledged that it was an error caused by  XXXX  - I have been unsuccessful.

Company response to consumer: Closed with non-monetary relief