BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-29
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2021-04-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I was charged a {$74.00} fee by Venmo that I was unaware of. I mistakenly signed up for a business account and it was not clear a fee would be charged to me on transactions. I requested to switch to my consumer account, have the fee waived and close my business account and they would not waive the fee. 
Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX  IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.

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 2021-04-03
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A storm took place XXXX XXXX, 2015 to my lake property in XXXX XXXX XXXX, MN. I have been working with my Insurance Co., XXXX XXXX XXXX, and they have been great. Now that my claim is over {$10000.00}, the Mortgage Company XXXX PennyMac XXXX wants to hold my money in escrow until they have an inspector come to my property. They say this will take XXXX days or more. Minnesota starts to get colder soon and I am concerned. I have also signed a Mortgage Affidavit, saying I am or will be making the property as good or better than before, which I intend to do and have sworn so. How do I continue to make repairs without the funds XXXX Checks made out to me & PennyMac ) my insurance company has released, but my Mortgage company wants to hold XXXX in escrow. This is very frustrating. Can you help me? My loan payments are current and always have been. This property is located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested a debt validation 31 calendar days ago 1 day over the 30 day response window with valid documents which they fail to do. which is a violation under thee FCRA & FTC. I will attach documents that prove its been 31 days and the original validation letter with they completely ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a money transfer from my Money Network XXXX XXXX to our XXXX  XXXX XXXX account on XX/XX/XXXX. The money has not shown up in my account. XXXX XXXX XXXX has told me there have been no attempts to deposit any money into my account. I have filed complaints that the money has not shown up and each time I have received a form letter that states they have completed their investigation and no errors were made. XXXX XXXX XXXX has told me NO ONE has contacted them about the transfer. I have no information from them about where the money went, but it is clear, it DID NOT go to me. It is MY money and I intend to take every measure available to me to make sure I get My money.

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 2020-12-14
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX spoke to my bank about transactions done via Cashapp, the services that were supposed to be provided by the Person XXXX XXXX resulted to be a fraud and never did anywork and just blocked me, i disputed the charges and my bank said they dont have any dispute rights becaude is a third party transaction, that in most of the cases Cash app grants disputes done internally with your company since this was a fraudulent transaction. I requested the refunds on the app and it clearly says if after 7 days there is no response, an internal dispute will be open in Cash app to get the money back, up to today already 10 days Cash App is giving me zero responses. Transaction sent to XXXX XXXX I need help, I can't believe you will support scams that people do with your company name. My cash app ID is : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
Over the past 18 months or so, I made XXXX balance transfers onto XXXX credit card. The interest rate on each transfer was 0 % until XXXX different expiry dates : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until XXXX. Every month, that amount was subtracted from the balance with the 0 % expiry date XX/XX/XXXX. In XXXX, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date XX/XX/XXXX. Rather than subtracting that amount from the balance with the XX/XX/XXXX expiry date, the credit card company paid off the balance due XX/XX/XXXX, and paid down some of the balance due XX/XX/XXXX. I am now paying interest on the balance due XX/XX/XXXX. This seems very shady and bogus. Is that even legal anymore?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am single parent with XXXX children, I 'm also the XXXX of a XXXX.My family and i have suffered a great hardship since XX/XX/XXXX, at such time i XXXX and had to have XXXX, while out on sick leave XXXX.This action forced me to become unemployed. Finally the unsubstantiated results came in just last month XX/XX/XXXX. Now my business XXXX number which allows me to XXXX has been terminated, I have no means of supporting myself or my minor child. In order to provide food we receive food stamps, free lunch at school, my son sat out of XXXX to assist us as much as he possible can, not to mention on XX/XX/XXXX. I just underwent another XXXX and on XXXX now trying to re-cooperate. I 'm totally XXXX out, I 've also XXXX. I have been a single parent for the last years and I 've worked very hard to provide for my family not once had i ever image being in a situation as such, and not being able to find some help. I have lost so much, now being face with loosing my home where will my child and i do.

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 2016-10-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had unauthorized charges on a XXXX account ; those charges were paid by XXXX account ; my bank account was accessed to pay the pay pal charges ... my credit union " navy Federal '' has charged my accounts over ~ {$600.00} in NSF fees and overdraft protection fees I. Conjunction with this google play mishap ; they added ~ {$270.00} in NSF fees after I informed them to close my account it was compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent out a letter on XX/XX/2020 about an account on my report that does not belong to me. I have yet to receive a response and it is now XX/XX/2020. It has been over 90 days since I disputed this account. Please remove this account because you failed to investigate and verify it in the time allotted by the FCRA. If you are stating that account is verified please provide the method of validation, who you spoke to, when you spoke to them, and the information that they provided to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I have my business and personal banking at Wells Fargo and have for 20+ years. I am in the process of refinancing my equity line on my $ XXXX house. I got approval, but they claimed my XXXX credit score was XXXX vs. the XXXX rating of XXXX which is a gap of XXXX. I have asked to understand the difference and see the report, but they decline. They state the only obligation they have is if my credit is declined. Given I was not declined they can state without any checks and balances what my credit score is and I have no recourse. This has caused for my equity rate to go from XXXX + 0.25 % to XXXX + 1.75 %. The only action he stated was to reprocess the application, but given I have no visibility to what they use as the basis for their underwriting and pricing, I am subject to whatever they decide to offer. This is not how lending is suppose to be under the Fair Credit Act. Please advise what recourse I have as this is not the way lending should be for a consumer. Moreover, this completely relegates or negates XXXX and the XXXX credit agencies as a basis of judgement for credit. Again, please advise my recourse and options available. Thank you, XXXX XXXX XXXX - XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Capital Alliance Financial, LLC
State: GA
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 have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county.  this is harassment and I going to file charge against.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am XXXX and on social security XXXX and trying to correct errors on my credit reports. In XXXX 2011 my son passed away in a very tragic circumstance, Afterwards I lost my employment due to military XXXX, I was forced to voluntarily reposses my recreational vehicle, Wells Fargo Dealer Services accepted vehicle and the repo agent stated under law I would be notified of any sale time and place. I was never notified of the sale of the vehicle, I also believe Wells Fargo violated the law as the sale of the vehicle was not commercially reasonable, therefore any deficiency is illegal, Wells Fargo needs to remove this account from all my credit reports immediately as they have violated repossession state law and The Fair Credit Reporting Act.

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 2021-04-03
Company: ONLINE Information Services, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the credit bureaus about a collection ( ONLINE COLLECTIONS ) and have not received a response back or any results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company ( US Bank ) did not make real estate tax payment for XX/XX/XXXX on time, event though I have made escrow payments. It will now be late and unable to claim on XX/XX/XXXX race return. This is a considerable amount of difference of refund, almost {$2000.00}. They have informed that I now have to wait until XX/XX/XXXX to claim the real estate taxes on the XXXX, putting it a year behind.

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 2021-04-04
Company: EQUIFAX, INC.
State: MI
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 requested Equifax to show me how they validated a debt on my report by mail twice, they failed to do so on both request. They are still reporting this erroneous debt, without showing me any validation which is a violation of the FCRA. They finished their investigation on XX/XX/2021 and didnt inform me, i attempted to check the results and their system wouldnt allow me to. Photos have been added to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was applying for a refinance loan from Loan Depot. I submitted all of the loan paperwork requested of me by XXXX/XXXX/16. I was told everything was fine and that we would be good to get the loan approved and funded. This was a zero closing cost loan. On XXXX/XXXX/16, I receive a call from loan depot asking me to retrieve additional loan paperwork documentation for additional income verification and income ratio documentation. This would normally not be an issue however I was told that if the loan did not process by XXXX/XXXX/16 that I would be subject to an {$1100.00} " rate lock extension '' fee. Given that XXXX/XXXX/16 was the day before XXXX weekend and I was going to be out of town the entire weekend, I would likely not have all of the paperwork in time and processed by XXXX/XXXX/16. I felt this was a bait and switch tactic used to extract a made up fee from me when the delay was completely the fault of Loan Depot. I also believe they wanted this to fail because interest rates had gone up so they felt they could excise this fee on me because I would not want to lose my rate. 

I believe this to be the case because the call for extra paperwork come in over a month after the initial documentation and was timed right before XXXX to make it nearly impossible to avoid this fee. Loan Depot was characterizing this as if it was my mistake when they had ample time to process the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had a student loan with XXXX then and now Navient since XX/XX/XXXX, I am not sure what the original loan balance was but I want to say it was around {$40000.00}, apart from when I was in school and not paying them I have been paying my student loans since XX/XX/XXXX consistently, I have had a few months that I had a forbearance and now I am on an income driven plan which was supposed to help reduce my payment but it seems like around a {$9000.00} decrease in almost 13 years does n't make much sense, going at this rate it would take almost 60 years to pay off a {$40000.00} loan, even a house loan only lasts 30 years, this is insane and part of the problems with student loans and the loan debt, I think it 's funny how now the lawsuits are coming up against Navient and I think I am a prime example of their lies and deceitful business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2021, I received an email from Citigroup that I owe them {$60.00} in relations to the Citi/ AAdvantage credit card ending in XXXX, which I have never used. I called the bank and talking to an associate he said that this amount concerns the AAdvantage credit card. He told me he closed the account and I do not owe anything. I never received a confirmation email, and I trusted him. 
On XX/XX/XXXX, I receive another email from the bank suggesting that I owe them {$99.00}. At this stage, I made a payment and closed the account using the automated voicemail. Calling back to confirm, the automated voice mail indeed suggested that the account has been de-activated. 
On XX/XX/XXXX, I receive another email from the bank that I owe them {$60.00}. 

This is simply ridiculous! In all other banks, when I want to close a line of credit, this is completed relatively easily. This behavior is fraudulent, absolutely a scam. I do not trust working with the bank to get this resolved and I hope you can help me close the account. I refuse to pay any amount after my last payment on XX/XX/XXXX when I deactivated 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 monetary relief
Consumer complaint received 2021-04-04
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to American Express. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in XXXX XXXX. This also resolves my entire debt with American Express and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. 
At this point the account has not been removed or even labeled as disputed. 
I then sent letters of complaint on XX/XX/XXXX to XXXX XXXX XXXX XXXX  stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.

Company response to consumer: Closed with explanation