BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fact, pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
Fact, pursuant 15 USC 1681a ( f ), the term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
Fact, pursuant 15 USC 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Fact, pursuant 15 USC 1681a ( c ), the term consumer means an individual. 
Fact, RESURGENT/LVNV FUNDING is a consumer reporting agency. 
Fact, I, XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, is a consumer. 
Fact, I did not give RESURGENT/LVNV FUNDING or its affiliates written instruction to furnish a consumer report in my name. This is a violation of 15 USC 1681b ( a ) ( 2 ), 15 USC 1692e ( 2 ) ( A ).

Fact, RESURGENT/LVNV FUNDING being a debt buyer, it is implied that the accounts have been turned over to innocent purchasers for value. This is a violation of 15 USC 1692e ( 12 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: MRS BPO, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2022 MRS ASSOCIATES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, MRS ASSOCIATES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to MRS ASSOCIATES who is now violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: First Credit Services Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a membership with XXXX XXXX XXXX in XXXX, SC in XX/XX/XXXX. On or around XXXX of that same year, I went in with a hand written letter of my intent to cancel. I was told there would be 2 more payments taken out of my account and then my membership would cancel. I was aware of this policy so that was fine. Shortly after the 2 payments were drafted from my account, I changed banks. I considered the matter closed. I did n't find out until checking my credit report a few years later that they had not cancelled my membership, but instead sold the remainder of my contract to First Credit Services in the amount of {$320.00}. This is the only derogatory mark on my credit report and it is fraudulent. XXXX XXXX XXXX is notorious for this. Unfortunately I did n't know that at the time and did n't make a copy of the letter I gave them. I have disputed this with XXXX multiple times, and filed a complaint with The South Carolina Department of Consumer Affairs. XXXX XXXX  XXXX responded basically calling me a liar and suggested that I contact First Credit Services to pay them. They have a record of the times they tried to contact me, but I had an app on my phone that picked up and hung up on suspected spam numbers. There should have been no reason to call me anyway as I do not owe that debt. Anyway, neither of the other disputes seem like they are going to be effective since I do n't have a copy of that letter. I hope you can help. 
Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened a Checking account ( # XXXX ) at JP Morgan Chase and got a Credit Card ( # XXXX XXXX XXXX XXXX ) in XXXX XXXX. Just after a few days these were terminated without any motivation. 
I was not, so far, able to find any explanation in the termination letter, at the local branch ( they told me that there were plenty of other banks and I should not have any problem to get a credit card from another institution ) or on the phone. I wrote a letter to the Chase President but  did not get an answer. 
As, if I did something wrong, I obviously need to know why, I would like Chase to let me know the reason of the termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Date : XX/XX/2022 Amount : {$400.00} Actions taken : I called Chase regarding a XXXX payment I sent to a sender by the name of XXXX with the email XXXX, and later found out that it was a scammer. I called Chase about the situation and forwarded me to Chase Claims Department and did not help me because it was an act of person to person of agreeing to making this payment. 
I have proof of the scammers email if needed evidence in order to refund the {$400.00}. 

Story : I got scam on XXXX XXXX by providing my email and that they would email me fake XXXX emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019, I noticed a collection account placed on my credit report. 
Prior to this being placed on my report, I never received any letter informing me of any debt owed or right to dispute. 

XX/XX/2019 A letter was sent to this company asking them to remove this item. I still have not received a repsonse from this company. 

letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXXXXX, i made a mobile deposit check # XXXX, Amount {$1500.00}. This check was from the president of our company, it was a XXXX check which is local and the funds were available. ( I am the controller of the company as well ). I received an email from XXXX Bank that the deposit was on hold until XXXXXXX, with no reason or explanation. I called the XXXX number and they could not tell me why it was on hold, she noted maybe they tried to pull the funds and they were not available. ( i highly doubt that was the case, he runs a XXXX M dollar company ). I asked if they contacted XXXX to confirm the check was okay to process, they claim they can not do that. I then asked to speak to a manager, and was transferred to a supervisor, whom i gave her the number for XXXX and asked her to call to verify the funds and remove the hold. She advised me that they cant remove a hold, no matter what, there is nothing i can do. My mortgage is now 2 weeks late and i am receiving late fees. All due to them putting the deposit on hold. 
I am very unhappy with this and find it hard to believe that once a hold is put on a deposit it ca n't be removed. Ever!. That does not make sense to me. and they did not give me a viable reason and noone was able to assist. I will NEVER use Huntington Bank and i feel they should reimburse me for all late fees, finance charges and time that i have spent during work on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that is serviced by RoundPoint Mortgage Servicing in XXXX, Tx. In XXXX of XXXX, due to health reasons, we filed a Chapter 13 Debtor Reorganization Plan. The Mortgage is paid outside of the plan. At that time, Roundpoint stopped sending us statements, escrow statements, or acknowledgement of payments received. 

I keep getting statements from XXXX XXXX and From FEMA regarding taxes and flood insurance. Roundpoint will not acknowledge the escrow balances and will not say whether they are paying the taxes and Flood Insurance. 

They claim they can not talk to us but our attorney and we authorized them to talk directly to us. Roundpoint now says they never received the authorization even though they told me before they had received it. We have no way of knowing when the payments are received and if they are being applied in a timely manner nor how they are being applied. 

I believe they are out of compliance by not sending us statements and advising us of amounts due. I do not know if they are applying the payments late and accumulating late charges in order to make our mortgage larger. 

Like I said, we signed a document stating that we would not hold them liable for speaking directly to us under the blanket order from the bankruptcy court. Our attorney agreed.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had prequalified with XXXX according to their screening process, provided all financial information of my income, recurring debt and salary history, XXXX payroll documents to see if a could prequalify for a refinance and lock in a rate. 

Even had emails and text messages with the XXXX of XXXX, XXXX XXXX helping me to get my application going. Everything was set and approved to proceed according to all paperwork need and credit report pulled. 
The rates were at XXXX for a XXXX year refinance and was ready to proceed with document signing. By XXXX to late XXXX, the rates changed and get the impression that XXXX had changed its mind internally to find ways to cancel my locked rate and sell me another loan at a higher rate with higher fees on the last day the loan had expired, or so they said it was expired. 

I have email and documents of the paperwork approvals and loan agreements of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I called EdFinancial asking for a loan refund due to the CAREs act on a federal student loan payment I made in late XXXX. They told me they would submit a ticket, but the refund would take about 5 months to process and it could potentially take even longer due to a surge of people requesting. It seems other federal loan servicers are quoting around 2-4 weeks for a refund to process and clear, so the timeline EdFinancial gave seems unreasonably lengthy. 

They also told me they could not provide any form of confirmation email or statement for the submission of my refund request, which is pretty concerning when dealing with a large amount of money that would take up to 6 months to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted a complaint several weeks ago and the complaint was closed WITHOUT Wells Fargo addressing the reasons for which the complaint was filed. 
( 1 ) My home was scheduled for foreclosure on XXXX/XXXX/XXXX. Which was six months after my wife passed away on XXXX/XXXX/XXXX. WHY? 
( 2 ) I was denied an opportunity for a modification on a home that I was paying XXXX a month for the mortgage and I currently rent for XXXX after I was force to move. WHY WAS THE MODIFICATION LOAN DENIED? 
Wells Fargo refused the payments that I tried to make in the interim, they referred me to their council. 
( 3 ) Wells Fargo refused a short sale saying I was already too far behind in payments and that is because they refused payments!
( 4 ) My home of 20yrs was sold by Wells Fargo without My being informed in anyway and is currently on the Market as a rental Property valued at XXXX and a monthly XXXX which is 2x my mortgage. It was For this Profit, they took away my home.

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 2017-08-28
Company: Experian Information Solutions Inc.
State: NC
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 want the reports updated and information with this house loan and other accounts on my reports Experian / XXXX / XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in 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 2022-09-01
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX  after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.

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 2018-06-01
Company: U.S. BANCORP
State: TX
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 opened a complain with the CFPB about an issue I had with U.S. Bank ( details of that complaint below ). U.S. Bank stated they would resolve the issue back in XX/XX/XXXX, it is four months since that reply and yet nothing has been resolved from their end. I've tried contacting them via phone, but they refuse to acknowledge the complaint was ever received or " resolved '' and are insisting that it isn't in their systems. I have a written response from U.S. Bank that was sent through the CFPB, but yet they haven't done what they stated they would be doing in the letter as my credit inquiry is still showing up on my 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 non-monetary relief
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want the reports updated and information with this house loan and other accounts on my reports XXXX XXXX XXXX / Trans Union they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new one on line and by the mail. i have attached paper work to as whom i, am with the 3 credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in 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 2022-09-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Acct : XXXXXXXX XXXX XXXX XXXX XXXX Billed for service not rendered XXXX XXXX XXXX. Original bill show service fee XXXX XXXX XXXX. Disputed claim as false attestation of service rendered claiming fee for service by XXXX XXXX XXXX. 

3rd bill came out and was changed to another party being a XXXX XXXX and XXXX XXXX billed me the same rate for XXXX XXXX. 

Therefore I am filing a dispute for false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Phoenix Financial Services LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial sent me a letter that was back dated by two weeks stating I needed to dispute the collection within 30 days. The date on the letter says I received their services in the year ofXX/XX/XXXX, but I have never been hospitalized. The date on my credit report says the account was opened inXX/XX/XXXX. I immediately sent written correspondence disputing this debt, informing them it was n't mine and to send verification. I have sent them several letters over the years asking for verification they have never verified it. The account is up in dispute before it appeared on my credit and they never sent verification before adding it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation