BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
During the time from my original date of building my home, father deeded me ( .XXXX acres ) dated XX/XX/XXXX from the XXXX acres he originally purchased on XX/XX/XXXX. I have refinanced my home since the original date of obtaining property, which this took place on XX/XX/XXXX during this time the closing attorney staff ( XXXX XXXX XXXX, XXXX ) did not examine my portion of the legal description ( .XXXX acres ) closely and ending up including the parcel that did not belong to me. 
Sometime back in XX/XX/XXXX my sister made an attempt to mortgage her portion of the property during a title examination, and discovered the mortgage lien was attached to her property. This being said ; has made the entire Mortgage Note ( Carrington Mortgage services ) invalid since it included an executed instrument on a parcel that did not belong to me. 
I have made several attempts in contacting both the mortgage servicer and the attorney in trying to resolve this matter. This has been very XXXX for the past 9 month for both my sister and I with the failed attempts in resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In my disputing of some inaccuracies on my credit report, I requested to all the XXXX CRA 'S to send me documents that they received and the agency or person or contacts that were used in the process of the outcome stating that the inaccuracies were all verified.They have not responded with any supporting documents from these companies XXXX, XXXX, Office of Texas Attorney General as to how they were verified.

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 2016-01-25
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I have an account with Western Union. I make a transfer every month using their service. I am pretty satisfied with their service. However, something happened this last transaction that bothered me and I feel compelled to submit this complain. 
This is a transfer I make on a monthly basis to XXXX, where I have a business. The money sent is used to make payroll for the local employees. I requested an online transfer on XXXX XXXX, 2016. WU website informed me that the transfer was recorded and on XXXX XXXX they withdrew the money from my bank account in USA. Generally within three days the money is transferred. However this time there was no money transferred and so I contacted WU and an agent told me that everything was fine and that the money will be available on XXXX XXXX in my account. 
I realize there are regulatory compliances to fulfull while transferring money overseas, and accepted their delay as normal. 
Generally Western Union would immediately send me an email confirming the request I have made. Most of the time, it would mention that the transfer is on hold pending investigation. Since I have registered with Western Union and have provided them the reason for the transfers ( which is for expenses in the business ) they advised me to wait a few hours and they would release the funds after the investigation is completed. I would generally receive a confirmation of fund transfer about two hours after I make the transfer. This time though, they did not send me any email and when I contacted them a few days later, told me that everything was okay and that the money will be available on the XXXX in my bank in XXXX. 
On the morning of XXXX XXXX I received an email from that saying that I need to contact them regarding the transfer. After I contacted them, they failed to give me any reason why they did not contact me earlier, or did not tell me that there was a hold on my transfer the week before. 

I would like to get an answer from Western Union why they are refusing to give me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return XXXX of the XXXX receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.

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 2017-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My name is XXXX not XXXX, XXXX, XXXX these names are erroneous. I never lived in XXXX MS nor have I ever worked at XXXX. The last four of my social security number is erroneous as well. I have never filed Bankruptcy.

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 2017-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
this account, TN CHILD SUPPORT XXXX .... IS FRAUDULENT ... THE ACCOUNT WAS CREATED BY FRAUD ... AT THE TIME OF THIS ACCOUNT I HAD A CONTRACT AND ORDER TO PAY CHILD SUPPORT IN VIRGINIA.I HAVE NEVER PAID ANYTHING AT ALL TO THIS ACCOUNT.AT THE TIME I TALKED TO TN CHILD SUPPORT I INFORMED THEM OF THE ABOVE..THEY SAID THEY WOULD GO AFTER PERPETRATOR FOR FRAUD ... 
YET TN CHILD SUPPORT HAS CREATED THIS COMPLETELY FALSE RECORD AND NOW VERIFIED.I HOLD EXPERIAN ACCOUNTABLE FOR DAMAGES AND WOULD EXPECT CFPB TO FINE EXPERIAN AS WELL AS PAY ME STATUTORY DAMAGES,

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 2015-09-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was not informed by my jewelry store that the Wells Fargo financial who offered one year free interest would whack me with a {$440.00} interest bill a month after the year ended. I was under the assumption this was one year free interest. 

I tried working it out with the company to pay the balance off in full for forgiveness and they refuse. I was not notified close to the year end that the financing would start. I was blindsided. I have a XXXX husband due to an accident that was n't his fault and now I am about to lose my wedding band over this fiasco.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX I was late making my payment by a few days and was charged a late fee. In XXXX I filed timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. I have increased my payments and have never been late since. They have continued to charge late fees and others fees for the last 9 months. I have continued to be timely in my payments and have even increased my payments during this time. Now I am getting collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly disputed the XXXX account on my credit report. Experian did not investigate my dispute and not provided and proof that they contacted XXXX at all. I have sent Experian and XXXX a copy of my identity theft affidavit and FTC report. They refuse to remove the account and refuse to provide any investigations results.

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 2017-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The purpose of this communication is to initiate the complaint process. 
The claim complaint is based on : ( 1 ) Non selection ( 2 ) Non referrals ( 3 ) No interviews ( 4 ) Never hired to work for the employer. On line web site duplications documents are included to verify applications submitted to the employer, from beginning XX/XX/XXXX to the most recent XX/XX/XXXX. Other applications were submitted before XX/XX/XXXX. 
Application content confirms the use of : ( 1 ) Background information checks ( 2 ) Credit reporting history - credit reports to confirm applications completions. Application section verifies race, other demographics. Applicant submitted additional documentation to verify race and XXXX. 
Factual background relative to the aforementioned claim complaint stated includes pertains to initial paper applications submitted during theXX/XX/XXXX. 

Rejected applicant is : ( 1 ) XXXX ( 2 ) Male ( 3 ) Not XXXX ( 4 ) Over the age of XXXX ( 5 ) Veteran ( 6 ) XXXX a. XXXX b. XXXX. 
These are the bases for the claim complaint. 
Separate documents were submitted with applications to designated identify the applicant 's demographics. 
At this point, employer 's selectees are unknown and no communications have been confirmed to the Human Resources department to justify the selectee 's demographics with the rejected applicant 's demographics. 
Employer 's specific reasons, pretext ( s ) for non selection, non referral, no interviews, never hired to work for the employer are unknown. 
Investigations would be vital and produce results to verify the claim complaint.

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX and XXXX XXXX ( SSN : XXXX and XXXX ) are disputing with Wells Fargo ( " WF '' ), XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ) since Wells Fargo is listing an " uncollectable '' item number : XXXX with a balance ( see attached ) XXXX ) As per the attached settlement document, WF agreed that the XXXX loan is " uncollectable ''. 
2 ) The court case of XXXX states that showing a balance is a form of collection activity. 
3 ) We notified both XXXX and XXXX as well as WF about the balance and the court case of XXXX, but they continue to verify the balance ( reference credit report ) as accurate. 
4 ) We have included proof of letters mailed to XXXX, XXXX and Wells Fargo as well as their replies ( see attached ) XXXX ) All we are asking for is for WF account to show a XXXX balance for this joint WF 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 2017-03-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a personal loan with a company called Springleaf Financial and I was making the payments on time until I ran into some financial trouble. I tried to work with company to make payment arrangements but that would not help me and then took unauthorized payments out of my bank account with out my consent. Now the company has changed over to One Main Financial and I am back to making payments, I am constantly be called harassed daily on my personal phone and on my job my about making payment arraignments, getting my checking account information, and when is my next pay period. They even go as far as telling me to go barrow the money from someone else so that I can pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
The interest rates charged by Barclay Bank Delaware on credit cards exceeds 19 % and is usurious. I requested that the interest be lowered so that I could pay the card off in 3 payments and was told that it could not be lowered. I am a senior. The balance on my card is {$12000.00}. and {$3200.00} respectively. I have asked numerous times for a reduction and have been told that nothing can be done. I have been told by my attorney just to stop making payments on the accounts because they will not work with me. They have told me that settlement on the accounts, even if they are paid in full would ruin my credit. I want the interest reduced to 8 - 9 % on each card. I do not want them reinstated - the bank cancelled them because I did not pay enough money on them despite the fact that I paid more than the minimum and have done so for years.

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 2017-03-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I sent Experian a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and XXXX XXXX Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.

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 2017-02-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/2016 I purchased a laptop computer as a birthday present for my grandson from Amazon.com. There was a note on the page that 12 months interest free financing was available on the page with the laptop. I clicked the link and in very large type there was a promotion for 12 months interest free financing on an Amazon branded credit card. I applied for the card and made the purchase because of this offer. When my first bill arrived there was an interest charge and an annual percentage rate of 26.49 %. I called the bank and was referred back to Amazon. After speaking with numerous people at Amazon I was told that I did n't sign up for the offer of interest free financing at checkout. I never saw where this was necessary and they have refused to remove these outrageous finance charges. I feel that this is at best misrepresentation and at worst consumer fraud.

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 2017-02-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The harassment is the defiance of telling them not to call company phone ... because I am a XXXX and the boss has told us not to answer non delivery calls because it interferes with safety. The ey have not obeyed our demands. The part that challenges me is that they call me on my work phone and usually it 's every day XXXX more than 3 times a day. The last straw is that demanding tones of coming in to make payments on their terms. They are demanding me to make commitments to pay that totally do n't meet my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My dispute is with SpringLeaf Account # XXXX in the amount of {$6300.00} Tried to contact them with the information on my credit report - Was told they were no longer in business??? 
This is all the information I have : SPRINGLEAF XXXX XXXX XXXX XXXX {$6300.00} REV {$6300.00} $ XXXX {$6300.00} 1 0 0 0 CLOSED XP PURCHASED BY ANOTHER LENDER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : XXXX ( Collection ) XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: MIDFIRST BANK
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
A trustee withdrew all money from a checking account, my count {$190000.00}, FBI 's count {$190000.00}. He was indicted for fraud, and I was awarded more than {$380000.00} in the civil case XXXX XXXX, XXXX. He pled guilty XXXX XXXX, XXXX, His first federal court appearance was XXXX XXXX, XXXX, and police reported he died that morning. The indictment was dismissed. He was not punished. I received no restitution. The present trustee will not show statements, and I may be about to lose another {$200000.00}. The bank is powerless to stop it. The trust provides the bank ca n't show me statements or allow my transaction. It 's a clever, legalized stealing scheme no one here has seen.

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
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXXfor 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, Equifax, and XXXX ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. XXXX  validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXXXXXX XXXX   XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX  against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.

Company response to consumer: Closed with explanation