BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Re : XXXX Account number : XXXX In regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that they are currently listing the account as 120+ past due when that is not true. The accounts have been closed for years so how can it be currently past due if they were transferred/sold years ago?. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received an e-mail from an Attorney XXXX that I owe Ace Cash Advance {$890.00} and wanted a settlement of XXXX.and if I did not pay this I would be socked a total of {$4000.00} including all fees and attorney costs. This e-mail even had my bank account and last digits of my XXXX. I did not receive any money from this company or apply for this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This issue was reported with cfpb on Case number : XXXX and it was resolved with XXXX ( it was deleted from my credit report ). However, XXXX is reporting the XXXX mortgage with XXXX XXXX and Rushmore Loan Management Service. This mortgage is related to only XXXX property that was voluntarily surrendered and it is related to my first mortgage ( with XXXX XXXX ) that was already deleted from my reports. 

I am disputing the RUSHMORE LOAN MGMT SERVICES credit item because : My property, located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, was Surrendered/Foreclosed with XXXX XXXX. Account is reported in my XXXX Credit Report as : FORECLOSED WITH XXXX XXXX XXXX Account Number : XXXX .... Date Opened : XX/XX/XXXX Status : Foreclosed ; and also in XXXX XXXX Account XXXX as closed. 

Experian Account XXXX belongs to XXXX XXXX XXXX ( which went bankrupt ) and it is a second mortgage that I had with XXXX XXXX XXXX ( XXXX Mortgage was Account Number : XXXX ) My XXXX mortgages ( XXXX for the same apartment located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX were account # XXXX & account # XXXX. XXXX XXXX filed for bankruptcy and my mortgages are closed. The following accounts are related to the same property located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( collateral for XXXX mortgages as established in my Agreement with XXXX XXXX ) : XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently deleted from my report. 

XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently FORECLOSED/SURRENDERED, but is being reported TWICE in my credit report with RUSHMORE LOAN MGMT SERVICES Account Number : XXXX Status : Open. {$9500.00} past due as of XX/XX/XXXX and XXXX Bank as closed. 

Please correct my credit report since these duplicates/incorrect information is affecting my score. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: First National Collection Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Credit issued a Visa Card in my name and it was used to charge {$4100.00}. We knew nothing about this Visa. We never asked for or approved or knew about the Visa until their Fraud dept contacted us about the {$4100.00}. We never received a physical card nor anything in the US mail until four months later when they sent us a bill and now are thereating us with fines. They also ruined our credit ratting. We have spoken to them several times. They have assured us they would take care of it, yet we still are getting the bills and our credit can not be fixed. HOW CAN A BANK ISSUE A CREDIT CARD IN SOMEONES NAME WHEN THEY KNOW NOTHING ABOUT IT! We do not have a savings or checking or credit account in Wells Fargo. But we do have a home morteage with them. Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had an on-going dispute with Citi since XX/XX/XXXX. In two letters dated XX/XX/XXXX, and XX/XX/XXXX, ( see attached ) the Executive Response Unit has stated that my account received temporary credits and that I  requested a refund check while the investigation was in process. I have had limited access to my account since it was closed, I believe prior to XX/XX/XXXX, and I did not have access to print statements. I had requested statements a couple times and did not receive them. I requested them again on XX/XX/XXXX and told it could take up to 30 days to receive them. To this day I have not received my statements from XXXX XXXX or Citi. 

I was not aware that my account was turned over to collections until XX/XX/XXXX, when I received a call from XXXX XXXX with XXXX, XXXX XXXX XXXX. Mr. XXXX was responsible for getting my XXXX XXXX /Citi monthly statements from XX/XX/XXXX - XX/XX/XXXX. 

After receiving my monthly statements on XX/XX/XXXX, I sent the attached XXXX XXXX XXXX XXXX  letter, which included my XX/XX/XXXX XXXX XXXX/Citi statement as proof that a temporary credit was not applied to my account and that Mr. XXXX XXXX and the XXXX XXXX XXXX  had lied to me and to the Consumer Financial Protection Bureau. I don't believe lying is a trait listed in Citibanks Code of Conduct. 

If you have any questions or require additional documentation, please contact 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 2016-12-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a mortgage modification on my first mortgage with Wells Fargo XX/XX/XXXX. When I started the trial period payments XX/XX/XXXX I was at most 45 days late. I proceeded to make all of my trial period payments either early or on time each month for the duration of the trial payment period which lasted approximately 7 months until XX/XX/XXXX when the modification was finalized. However, even though all of my payments during the trial mortgage modification were either early or on time Wells Fargo Home Mortgage is reporting me 60 days late for several months during this timeframe most recently XX/XX/XXXX and XX/XX/XXXX. They continue to report this inaccurate information even though I have utilized the credit report dispute process as well as the internal Wells Fargo investigative process. I have provided them dozens of pages of statements and payment confirmation numbers for the months in question and each time they just come back and say they are reporting correctly. However, they never provide me any hard data that shows I was late 60 days on the months they are reporting it. There is just a vague explanation that the reporting is a byproduct of the modification process and that it 's correct. Even though their own statements would show payments were made on time or early for the months being reported 60 days late. I have spent hours collecting and analyzing data to make my case but it is almost as if Wells Fargo is using the inaccurate negative credit reporting as retribution for undertaking the modification to begin with.

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 2016-10-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I had a NFCU credit card and loan and my husband had a XXXX and we fell behind on hard times unable to make payments, I tried to make payment arrangements but they were bullies and would not work with us. So we had to steal from peter to pay for paul and it was very tough. They had no compassion and I think it was unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today is XX/XX/22. My name is XXXX XXXX and the account I want to make a complaint about is XXXX XXXX in the amount of {$200.00}. I have no knowledge of this account. I have been with another cellular service for 3-4 years. I called to speak with the company and they still want me to pay on a debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: GA
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:
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX Loans. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PNC will not allow me to connect my account to the virtual transaction application XXXX. It works sometimes and not others. This is extremely frustrating and prevents important timely transactions and prevents me from accessing my money in the way I want to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
Wells Fargo reported a late status on my account on an account that is already paid in full and has no 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 2017-02-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, my name is XXXX XXXX. I have a reverse mortgage through Wells Fargo Home Mortgage.Two years ago I had financial trouble and could not pay my property taxes for XXXX. After initially threatening foreclosure, I was placed on a repayment plan. After continuing to repay as agreed and paying my own property taxes for nearly two years, Wells Fargo began threatening me again with foreclosure, only this time it was due to their claim that I did not have sufficient flood insurance coverage. Upon looking at my policy coverage I found that it was {$50000.00}, not enough to satisfy the reverse mortgage amount of roughly {$210000.00}. It is something that I do take partial responsibility for, however if Wells Fargo would only have contacted me then and let me know I would have increased my own policy to {$250000.00}. Never once did I ever recieve a simple letter stating that I had insufficient coverage. So they charged me {$3200.00} for two years of insufficient coverage and threatened me with foreclosure again this past Fall. They then put me on a repayment plan again for that amount. That 's {$3200.00} for two years of flood insurance coverage all along while I was also paying {$600.00} for my own {$50000.00} policy. I told them that I will have my own private flood insurance increased to {$250000.00} in XXXX XXXX and that I would send them a copy of the new policy. Well last month I received a call from Wells Fargo right after the XXXX XXXX and was told that they were charging me another {$1600.00} for flood insurance for XXXX. I told them that I was getting my own policy through XXXX increased in XXXX and at " HALF '' the cost that they are charging me! I am a senior citizen on a fixed income. At XXXX years of age, my XXXX can not take much more of this. I can not believe this is happening when all Wells Fargo had to do was let me know 2 years ago that I did n't have enough coverage. They are charging me twice what my own insurer quoted me and because of that they are now taking half of my social security check each month and I am struggling to be able to afford to pay for increasing coverage on my own flood insurance policy! Please, I really need help here!

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 2017-01-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I contacted my lender ( Navient ) to change my income-based repayment plan. My original monthly payment was {$520.00}, which is not sustainable when my cost of living is considered. I pay over {$1000.00} in rent monthly not including other bills that I am responsible for paying. I was told by a Navient representative over the phone that I would need to re-submit an income-based repayment application with proof of income again. The customer service representative then stated that I would have to call back once they receive the application and I would then have to pay approximately {$1500.00} in full or I could submit a partial payment and go into forbearance for the rest until my new payment plan is in place. I can not afford to pay such a large sum of money all at once and should not be penalized for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX XXXX XXXX XXXX XXXX AND THEY WONT MODIFY MY PAYMENT ON A {$52000.00} BALANCE. I WAS PAYING {$1000.00} MONTHLY. THIS PROPERTY HAS SPECIAL CIRCUMSTANCES BECAUSE I BOUGHT IT IN 2000 FROM THE ESTATE OF THe OWNER. HE DIED XXXX. HE WAS XXXX. IFOUND OUT LATER MY DEED CONTAINED COMMERCIAL PROPERTY ACROSS THE STREET WHICH IS IN THE PROCESS OF BEING DEVELOPED. ALSO A BANK IS SETTING ON A PORTION OF MY PROPERTY AND NEVER PAID OR OFFERED A DIME TO ME FOR IT. I HAVE AN ATTORNEY BUT WE CANT GET THE BANK INTO COURT AND NOW HAVE SOLD MY PROPERTY AND THE MAN WANTS ME OFF THE PROPERTY. I NEED IMMEDIATE HELP. HE MAY HAVE ALREADY BEEN PAID FOR MY LAND ACROSS THE STREET.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with WF and I am writing to let you know that they have not reported my mortgage balance accurately. I was trying to refinance with XXXX XXXX and they indicated that my balance is {$280000.00} as of XXXX XXXX XXXX see attached email, XXXX # XXXX XXXX. I can not secure the rate and affordable payment due to this and all related setbacks that come with inaccurate reporting. 

As of today, XXXX XXXX, my statement shows a balance of {$240.00}, XXXX, & lt ; this is a {$33000.00} difference from the $ XXXX indicated by XXXX 's research of my credit. I was assured at the branch, XXXX XXXX XXXX, Ca XXXX ), through the help of a private banker, calling the line in customer service ) that it will post the payment accordingly and be reflected in the credit agencies that it was paid. I am very disappointed that the payment has not been reported accurately. 

[ History : I have reported WF since XX/XX/XXXX regarding the confusing and abusive way they have handled my escrow account. Briefly, I already paid the property taxes in the County XXXX XX/XX/XXXX, XX/XX/XXXX and they repeatedly billed me for it, which forced me to pay XXXX. Historically, the mortgage was not set up with an escrow account. The escrow account was established only recently. I am mentioning this because in XX/XX/XXXX I have settled the escrow account, {$9400.00} to clear everything and stop the grandfathering of charges. ( see attached statement and detail, XX/XX/XXXX, XXXX # XXXX, & # XXXX ) ]

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receive a letter from Convergent Outsourcing CLAIMING I owed {$590.00} to XXXX Account # XXXX from XX/XX/2021 with their reference # of : XXXX. 

I've NEVER had any account with XXXX and in fact they do not service this area as we have XXXX which is paid in full automatically every month via a direct withdrawal from our checking account. [ Lived here over 40 years ] Checked on the web and saw numerous claims regarding this scam company and even reports of lowered credit ratings after contacting them { which is why I am turning to you and not them }. 

In my XXXX years on this planet I've never not paid my bills when they were due and such people attempting top say otherwise makes my blood boil.

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