BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up with Wells Fargo along with my son to get the {$250.00} incentive when opening an account and use it 10 times. After I signed up and used it 10 times, I noticed they did n't put {$250.00} in my account ( but my son already got his {$250.00} ). I wrote a message and was told " When a promotion has been credited, customers will see them on their accounts. Without a   XXXX   on file, the incentive can not be applied. '' So I went to the local Wells Fargo branch to submit my  XXXX , weeks later they still said never received, until they called the branch to realize the branch did n't submit it  XXXX  even though they had in their possession. After that they said it would take another 5 business days ( this was  XX/XX/XXXX  ), on  XX/XX/XXXX  I wrote another message only to find out they have no idea what is going on and " have escalated and will take another 14 business days to find out in a letter ''. It is now  XX/XX/XXXX  and Wells Fargo says ( " bonus not posted because I am not " targeted '' ), which is completely false information, and makes no sense if that is true as my son already got the {$250.00}, also the fact they keep asking for more information for no reason. I would like the {$250.00} to be applied to my account or I will have no choice but to take Wells Fargo to small claims court

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 2022-08-04
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
as of today  XX/XX/XXXX  I had to file chapter  XXXX , this is been on going now for the past 10 months  XX/XX/XXXX  and shellpoint mortgage trying to get a modification loan and have sent unless papers for a lower payment and a lower interest rate we are in an arm of 9 % now and will go higher and payment of   XXXX   per month on a  XXXX  home WHY and so sorry cant qualified for try again so buys them more time to foreclosure to kick us out I had told them over and over we DONT wont to loss OUR HOME we worked hard for for the past 16 years of living there brought in renters and so sorry cant get you a loan WHY this is our American dream being taken for us and no help for us PLEASE STOP THIS FOR HAPPENING AND HELP!!!!! THANK YOU!!!!!! Shellpoint mortgage are heartless and GREEDY SAY AWAY FROM THEM!! also we have been working with HUD to get answer when you try to go to get a refinance they also asked have you tried with your lender first that 's what we have been doing no help!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I called Capital One to see if I can lower my interest rate which is currently 25 % and 23 % ( I have XXXX cards with them ). The first lady was very rude stating that it was nothing she could do and if they was to lower it the rate would be temporary.. This is XXXX I have been with this company for at least 2 years and my credit score is around XXXX, never missed a payment, and keep my balances low.. I informed the supervisor that I will be making a large purchase soon and WILL not pay them 25 % in interest.. The lady said she could n't lower my rate and to lower the rate is based on some standards.. I asked her what they were she could n't explain.. I asked her why I could n't receive the lower rate she could n't explain.. This is a XXXX way to run business with people and not a fair to their customers.. She could not give me any explanation on to why my request could not be granted.. I asked to speak to another manager she stated she was the highest that 's XXXX too.. This company is very unprofessional and love to scam people with high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
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: Account information incorrect

Complaint:
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely my FICO2 which is used by lenders took a severe hit. I started the month of  XX/XX/XXXX at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the Experian agency to a  XXXX . The explanation offered by experian was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XXXX    and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that Experian was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from  XXXX  ( which was satisfied in  XXXX  ) removed from my credit report on or about  XX/XX/XXXX . My FICO2 score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the Experian Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

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 2015-04-28
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector called Credit Collection Services keeps calling my work phone and leaving voice mails on my work answering machine. I have caller ID so the number they are calling from is XXXX. These calls are constant throughout the work week and I 've even come into them on a Monday where they 've left them on the weekends. They are calling all the time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, CHARGE MY ACCOUNT OFF BY CLOSING IT. CLOSED IN 60 DAYS LATE XXXX 2016, SEE CREDIT REPORT, SENT TO XXXX XXXX FOR PAYMENT. THEY SAW THE MISTAKE AND SENT IT BACK, XXXX SENT IT BACK TO THEM BECAUSE THEY WAS PAID. I TALKED TO THE XXXX XXXX SUPERVISOR, HE CLOSED MY ACCOUNT AND SENT IT BACK. BOTH AGENCIES REFUSED MY LAST PAYMENT AGREEMENT TO BECOME CURRENT XXXX, XXXX, XXXX, I WAS CURRENT PAID EVERY MONTH FROM XXXX TO XXXX XXXX WHEN THEY REFUSED MY PAYMENTS. NOW I WROTE TO XXXX TO RESOLVE MY ISSUES. BY FRAC LAW. THEY REFUSED TO RESPOND THEY NOW OWE ME AND MY DEBT IS TO BE O ACCORDING TO THE LAW WITH COMPENSATION DAMAGES TO BE PAID. PLEASE HELP, I WILL WAIT YOUR RESPONSE, I HAD AN AGREEMENT TO PAY WHAT WAS PAID, THE MINIMUM FOR 3 YEARS XXXX, IF I HAD A SHORT PAYMENT, WHY DID THEY TAKE MY MINIMUM PAYMENT AS WE AGREED EVERY MONTH. SAID NOTHING AND CLOSED MY ACCOUNT IN 60 DAYS LATE VIOLATING ALL KINDS OF LAWS. PLEASE HELP THANK YOU FOR YOUR TIME. they say i owe it, it was paid i think because i was told XXXX had to pay them for the debit! or XXXX had to pay them for XXXX. which make them guilty and i owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Volvo Car Financial Services U.S., LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Over a month and a half after turning in the vehicle, I received a letter which incorrectly stated I had missed a payment and charged me for a payment amount which was inconsistent from what my actual monthly payment was. I was charged late fees and a demand to pay property tax with also made without any documentation as to how the amount was arrived to or details from the municipality. My account was also closed out, eliminating my access to any information pertaining to my lease. 

Furthermore, without this information, the amount due was reported to the credit bureaus as a liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in 2013 my wallet got missing in a train from Ny to NJ.In my wallet was my XXXX, social security card, students id card and my debit cards.i reported this incident to the police and i was given a police report. A few month after the lost of my wallet some one used my informations to open a credit accounts with capital one bank in my name. 
after a few years of non payment the capital one bank sent my informations to debt collectors and i was sent for collections.i called them to tell them it wasnt my account.i even mailled them my police report but still they refused to correct the my file.and this is hurting my credit.and also i was a victim of equifax identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In a statement sent to me in  XXXX  my balance reflects a balance of {$910.00} of which there was still an outstanding billing dispute for over {$500.00} as well as a charge for a service provided by USAA which I am prevented from receiving. This statement had a due date of  XXXX / XXXX /17. Upon receipt of this statement my account had already been closed by USAA for a month, preventing me from using it further. Despite this, I have not received any new statements however on my credit report this VISA account is being reported with as having a balance of {$6600.00} as of  XXXX / XXXX /2017. As this account was already closed as of the date of the previous statement, and I have yet to receive any new statements or explanation I must raise a complaint about the billing practices employed by USAA. Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously disputed charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, while not being given an explanation, reason or justification for these phantom charges.
These accounts were in dispute, and closed as a direct result of my first complaint to the CFPB, which itself was also a violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have  XXXX  loans I have been repaying. When I looked at the details of the loans the disbursement dates, I realized I never took out loans that year nor was I in school. So I have been paying back loans I never even took out. There seems to be no way to ask loan questions in which i can get a straight answer from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion to inform them that I had been a victim of their inquiry issue. The customer service representative would not help to take care of the negative inquiries reporting to my credit report.
I asked for the following inquiries to be removed :  XXXX - XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  - XX/XX/XXXX  XXXX - XX/XX/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 2016-02-16
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
United Consumers Inc Website Directions Collection Agencies I frequently get robo-calls from United Consumers , Inc. ( UCI ) asking if I 'm ( various first names ) XXXX and if so I push one button on the phone, and if not I push another button. The robot tells me I 'm not supposed to keep listening if I 'm not the intended XXXX. I have contacted UCI on two or three occasions to ask them to stop calling me, but to no avail. I do n't have any credit debt under collection. These calls are very annoying big net fishing expeditions which apparently are routinely used by UCI to contact everyone with the targeted last names throughout the region. 


UCI XXXX XXXX XXXX, XXXX, VA XXXX XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Yes I Have A Forbearing plan that ended XX/XX/2021 and I've been trying to get in touch with someone since last week to do my modification! But they are not picking up. I don't want too lose my home or mess my credit up for no payments. Please can someone call me back! XXXX Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bank with XXXX. They set up an electronic payment to make my mortgage payment to my lender. But they set up wrong information and sent the payment to Loan Care XXXX XXXX XXXX XXXX. I contacted them on XXXX XXXX, 2016 and got a ticket number. I called them on XXXX XXXX, 2016, and the money still had n't been refunded. I sent them all the paperwork from my bank proving that the money went out to them and they are still refusing to refund the money. I do not have any loan with them. Can you please help 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 2015-10-16
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After having an emergency surgery over the summer I fell behind a house payment. I contacted the holder of the account ( XXXX XXXX XXXX ) and worked with the very helpful and friendly people there to get on a repayment plan to get me caught up and current on the loan by XXXX XXXX 2016. This helped tremendously, but what they did was sell my loan to Residential Credit Solutions ( RCS ). I was sent a letter stating that all payments after the XXXX of XXXX would have to be made to RCS. Now it is the XXXX and RCS is unable to locate my information and XXXX XXXX XXXX can not help me as they have already transferred my information to RCS. I was able to speak to an actual person at RCS by calling the loan application department and not through the endless loop of the customer service number. XXXX attempted to contact them with the number they supplied and said they were not able to contact a person. ( XXXX ). According to their website, a payment is late and will be sent to the credit agency 's if it is not received, the person I spoke with on the phone said, " just relax until Monday ( XXXX ) it will be fine ''. I am not feeling fine, he did not want to give me his name, did not want to transfer to the proper department and said this happens all the time. I am truly concerned that the agreement I had with XXXX is danger of not being honored and that RCS inability to locate the information that was transferred to them on XXXX ( according to XXXX ) in going to place me in a situation causing my repayment plan not to be honored and keep me from making payment on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: IN
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:
Experian is reporting a   XXXX   XXXX   XXXX   credit card account on my credit report that does not belong to me. The account number listed on my report is "  XXXX ******  XXXX   '' with an open date of  XX/XX/XXXX . It is currently being reported as a " settled charge off ''. I have sent disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  and to this date, Experian has not properly investigated into this situation to remove this account. This account was previously also being reported by   XXXX   and  XXXX  before I started disputing it. They deleted it promptly after it was found that it was not my account so I can not understand why Experian keeps turning away my disputes as frivolous. How can Experian get a different investigation result for the same dispute with the other   XXXX   credit bureaus? I have called   XXXX   XXXX   XXXX   and there is n't even record of this account when I speak to them, so this makes things even more confusing.

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