BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Nationwide Doc Prep Inc
State: VA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I contacted Nationwide Doc Prep to get help with my student loans and they gave me false information, wanted my personal information, which I gave them, wanted to be paid up front without the promise of any written details, and told me I qualify for public service loan forgiveness even though I only drill once a month and am not employed full-time in public service. Their number is XXXX. I spoke to XXXX at ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SETERUS took over my loan last year. It has been an awful transition from day XXXX. I have sent payments that they confirm receipt of, only to find that they process them late.. which caused late fees on my bank accounts and at the company. They made corrections after proving to them that more than enough funds were available at the time of their confirmation of receipt of payments. They corrected themselves by waiving late fees that they applied after they reviewed my documentation. These forms include bank statements and notifications. Now I have had some serious changes with my finances, resulting in me having to ask for a modification. I have submitted all required documentation via XXXX ways which include through fax, through email and through regular XXXX mail. I have not heard anything and it has been over 45 days since those forms were sent. My entire family lives in the home and needless to say I am NOT comfortable not being able to pay the mounting balance that is occurring. I am saving all that I can and paying the utilities. I am unable to log into my SETERUS account online, because the site is down. Their customer service is not open on weekends, which is when I am able to contact them mostly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regarding my Wells Fargo account I was charged late fees constantly and then they closed my 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 2020-08-13
Company: Continental Finance Company, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TODAY I APPLIED FOR XXXX XXXX CONTINENTAL FINANCE AND XXXX XXXX  XXXX PULLED XXXX IN AN EFFORTS TO JUSTIFY HIGHER RATE WITH NOTIFYIM=NG CONSUMER.REF XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2022-01-29
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer, EdFinancial automatically puts my payments towards interest instead of towards the principal. Since 2012 and before the Covid pandemic, I have paid {$9100.00} but only {$2700.00} has gone to my principal. The rest has gone to the capitalizing interest. How will I ever pay down my loan if my payments don't even cover the monthly interest and that amount gets added to the loan growing it even more? The system is corrupt and taking advantage of student borrowers. 

The issue was when my loan was private with EdFinancial. I have since moved it over to be a Federal loan with EdFinancial when the pandemic hit. The account number provided is to the current federal loan but you should be able to find my history from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued for a debt that was sold to Mandarich Law Group LLC. In XXXX they filed a suit improperly and then they filed another in XXXX. I was never notified of the lawsuit by XXXX. The only way I found out was from other law firms hoping to help me negotiate a settlement. When I was made aware of the lawsuit I was already making payments towards the debt. I called in XXXX I think to see if I could make an official payment arrangement with them but they so they would drop the suit, but they wanted to ask questions about my financial situation so I told them that I would just continue to make payments on my terms. I also inquired about why I had received no notice of the lawsuit from them and the rep stated that the summons was out to be served. My court date was XX/XX/XXXX. On XX/XX/XXXX I was able to pay off the full debt so I made the payment directly through the law firm 's website. Conqensidentally the very next day XX/XX/XXXX they filed my summons returned unserved although the document was signed unserved XX/XX/XXXX and stated that the last date of non-service was XX/XX/XXXX. Also, I never had anyone attempt to serve the papers to me. I work from home and am very paranoid about knocking on my door so if anyone came to my door those days I would have remembered. Also, it's false that I moved I still live at the address on the document. So I had I never made a payment they would not as filed my summons as unserved and then if I failed to appear in court I would have had a judgment against me. Which I feel they have probably have done to other people. Anyway, I have submitted the payment to be made but I has yet to be withdrawn from my account. I've called multiple times to see why with no answer and they have yet to notify me of any issues they've had with processing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX. So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collection on my credit report and asked for debt validation as I have entered no contract and have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. I have a USDA-guaranteed loan. 
2. I was in a COVID-19 forbearance from XX/XX/XXXX to XX/XX/XXXX. 
3. At the end of the forbearance, XXXXXXXX XXXXXXXX began evaluating me for a post-COVID-19 loan modification. 
4. Initially, XXXX did not follow the USDA handbook for XXXX loan modifications, and I received legal assistance from XXXX XXXX at the North Carolina XXXX XXXX. * After several months of communications with XXXX, Mr. XXXX was able to resolve the issue with XXXX. 
5. On XX/XX/XXXX, I executed a USDA loan modification agreement. The agreement was executed on XX/XX/XXXX by XXXXXXXX XXXX and by XXXX on behalf of USDA. See the attached copy of the loan modification executed by all parties. 
6. The USDA loan modification agreement brought my loan current, lowered my monthly payment to {$700.00}, reduced by principal balance to {$110000.00}, and lowered my interest rate to 2.88 %. See page 7 of the attached PDF. 
7. Before I could make even one payment on the modified loan, XXXX XXXX transferred servicing of the loan to XXXX subserviced by Mr. Cooper. 
8. XXXX subserviced by Mr. Cooper does not appear to have any record of the loan modification. When I log in to my account, it claims my loan is owing back to XX/XX/XXXX. It claims I owe {$14000.00}, that my monthly payment amount is more than {$800.00}, and that my interest rate is 3.5 %. 
9. My first payment to XXXXMr. Cooper is supposed to be due on XX/XX/XXXX, but XXXXMr. Cooper is incorrectly stating that I owe more than {$14000.00}, and has not returned my calls or emails to get to the bottom of their error. 
10. I am requesting CFPBs help in sorting out this problem. Please contact my attorney as listed below : XXXX XXXX Senior Attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX N.C. XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Velocity Portfolio Group
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt was sold from XXXX XXXX XXXX CKS Investments . I know this because I called XXXX to make the payment, who sent me to CKS. This debt was paid in full to CKS Investments on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with CKS Investment. I have disputed this account on multiple occasions because CKS Investments and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. CKS Investments has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2020-10-07
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a phone call about a loan payment from a third party company that I owed. I told the representative that I made a full payment on XX/XX/XXXX. So, I called Chase bank and spoke with a representative about the fraudulent charge dated back to XX/XX/XXXX. I asked the representative how long do Chase go back to do an investigation. The representative told me 2 years. Chase refunded the {$740.00} to my account. On XX/XX/XXXX my account was a - {$740.00} because Chase reverse the charge. I called Chase and asked them to explain why was the charge reversed. A representative told me that they only go back 120 days and I had exceed the time to dispute. Also to contact the financial company who took the money from my account. That comment is no longer in business. The company telephone number has been disconnected. Had I know it was 120 days I wouldnt have filed a  claim. I think Chase has bad customer service and representative who give out incorrect information. Since the COVID-19 I have been with our work. I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started in XX/XX/2019 with Cardinal Financial for a refi of my XXXX House. I prepaid for an appraisal of my house ( {$470.00} ) and never received it. I have asked for either a refund or a copy of the appraisal and have been ignored. Please assist me in receiving either. 

Here is the contact individual : XXXX XXXX | Loan Originator Inside Sales | NMLS # XXXX Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone/Fax : ( XXXX ) XXXX | XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
As dated XX/XX/2022, I, XXXX XXXX, Consumer. According to TransUnion LLC, dated on XX/XX/2022 have Verified Account XXXX XXXX # XXXX reporting as VERIFIED AS ACCURATE. TransUnion LLC, XXXX XXXX who is in fact is TransUnion LLC Chief Financial Officer ( CFO ) pursuant to 15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX who is In FACT TransUnion LLC Chief Financial Officer ( CFO ), TransUnion LLC, I, XXXX XXXX am DEMANDING TransUnion LLC to provide documentary evidence to prove that TransUnion LLC have followed reasonable procedures to assure maximum possible accuracy according to the Fair Credit Reporting Act pursuant to 15 U.S. Code 1681e ( b ). This notice shall not be construed for any reason. If TransUnion LLC willfully and intentionally fails to provide proof of reasonable procedures to assure maximum possible accuracy, TransUnion LLC, XXXX XXXX who is in fact TransUnion LLC CEO ( chief executive officer ), XXXX XXXX in fact is TransUnion LLC CFO ( Chief Financial Officer ), shall be fined {$1000.00} ( PER DAY ) for negligence noncompliance pursuant to FAIR CREDIT REPORTING ACT 15 USC 1681o ( a ) ( 1 ) until the day of deletion ( s ) of the mentioned account ( s ) from XXXX XXXX XXXX XXXX XXXX and until the day TransUnion LLC have proof of full compliance of federal law ( s ) 15 U.S. Code 1681e ( b ) Upon receipt of this notice THIS NOTICE SHALL TAKE EFFECT IMMEDIATELY WITH PREJUDICE!! ALL LEGAL ACTIONS WILL BE TAKING!! Thanks, best regards.

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 2016-04-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Santander Consumer USA refuses to allow me to voluntarily surrender my car back to them and insist on repossessing the vehicle and charging me to do so. I can not afford the exorbitant charges and interest rate. They insist that I should pay XXXX to get another 30 days to pay when I can not afford to do so and I just want to return the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and Experian have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2020-05-17
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had disputed some unknown/ unverified accounts that was deleted around the month of XXXX that just was reinserted on today. I was not notified of LVNV FUNDING LLC reinsertion and this is a violation. This account is not mines and it have been reinserted on my credit file and I would like for it to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ENCORE CAPITAL GROUP INC.
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:
Midland Cred at XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of { {$620.00} } the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: AL
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:
The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, US Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.

Company response to consumer: Closed with explanation