BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I needed to pay off my XXXX credit card placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement Midland ands I agreed upon, however Midland still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. Midland used deceptive, misleading and false statements to get me to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a gold amex that was issued with no annual fee. After the first year, I was billed an annual fee. I contacted amex and the switched cards but never refunded the annual fee ( after promising to do so ) and added a late fee. After 5 phone calls, I was advised a rep accidentally switched me to a gold XXXX employees card and they were not able to verify employment so the fee had not been refunded. I advised the rep I am not a XXXX employee and have never been. I am still waiting for the annual fee and late fee to be waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received correspondence from XXXX on XXXX/XXXX/15 stating they are attempting to collect a debt for Midland Funding LLC. Responded via certified letter to XXXX requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that XXXX has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Midland Credit Management , Inc . continued to contact me even after I sent a Federal Cease and Desist letter.They made several calls to my cell phone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Midland Funding in XXXX 2015 and asked for proof of ownership of the indicated debt. Midland funding has yet to send me the requested documentation or put the account in dispute status. I want it removed from my report. I do n't see how they can just show up on my report and not provide the requested information. I have several copies of my report and they were not showing in previous years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I entered into a mortgage with Wells Fargo in the amount of {$500000.00} ... sometime in XXXX I tried to attain a loan modification because I had a new job and I earned less than when I purchased the home ... Wells Fargo sent paperwork over for me to sign for the application process but then nothing ... I then get a call from Wells Fargo some time in XXXX advising me that they found an error and in order to correct it they are going to remove my PMI ... I asked what error? they said in the loan modification.. I then informed him that I never received financial relief because I continued to make my monthly payments because my payments were never lowered. In order to 'correct the matter ' they removed the PMI ... later in XXXX my loan was sold to XXXX XXXX for {$500000.00} ... then again in XXXX for {$500000.00} to XXXX  who I notified also of the loan modification I never received from Wells Fargo so XXXX  lowered my monthly payment from {$2500.00} to {$1900.00}. They then sold my mortgage to XXXX XXXX XXXX for {$310000.00} in XXXX. I am in the process of refinancing my mortgage with XXXX and while I am waiting for a closing date, the title company informed me that I have an outstanding loan with Wells Fargo for {$130000.00} that is due to mature in XXXX. I never received financial relief from Wells Fargo. In addition, why would Wells Fargo sell my mortgage for the full amount as if I never made payments from XXXX? I contacted them asked for copies of my payment history and I was told that when the mortgage was sold the payment history went along with it. I contacted all other lenders and none have the payment history with Wells Fargo only their own. The 2nd mortgage does not appear on my credit report but now all of a sudden I am getting emails from Wells Fargo about my statements being ready. When I went into the Wells Fargo portal there are only statements from XXXXpresent but when I try to open them I get an error message 'The document can not be opened because it is corrupted or damaged ' I have escalated the matter to DFS but they do not handle these cases when the bank home office is not based in XXXX. I have also escalated this matter to the corporate offices of Wells Fargo and have not heard a response. I need this matter resolved as quickly as possible. It is vital that I refinance my house and Wells Fargo does not seem to want to cooperate or provide answers they just send me copies of documents I signed. I would like to know if this is part of the scandal they are currently involved in.

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 2016-10-05
Company: GVA Holdings, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I saw a XXXX XXXX commercial on television for a payday loan. 

I borrowed {$1500.00} from GreenLine Loans in XXXX 2014 to meet my XXXX XXXX, 2014 Federal Tax extension. I made XXXX payments. The first XXXX were scheduled for {$99.00} each. This was every two weeks. 

On my XXXX scheduled repayment day, I asked to pay off the balance in full. I ended up paying {$2200.00} to settle the debt that was less than 30 days old. They charged me {$750.00} in finance charges and did not disclose that to me when I made the loan. 

My weekly payments were as follows : ( emails from Greenline ) XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

{$750.00} finance charge for a 30 day loan of {$1500.00}! 

Customer Service Greenline Loans XXXX XXXX. XXXX XXXX XXXX, MT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: IL
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:
Filed a dispute with the credit Equifax in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ZIONS BANCORPORATION
State: CO
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:
There is a hard inquiry on my report that I don't think is accurate and when I call the only number I can find they have no record of me but it still shows on my report

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 2021-07-01
Company: Chime Financial Inc
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
3 transactions to XXXX XXXX # XXXX on XX/XX/2021 totaling just over {$3000.00}. I reported the charges as fraudulent within 2 hours of the money being removed from my account. Chime denied my claim and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: SC
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 been disputing an account this is impacting my credit score because Equifax and XXXX are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both XXXX  and Equifax are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NJ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2010 Balance : $ XXXXLate/Open Late Dates 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 2015-06-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX 2014 I ran my credit at my bank and had accounts listed that were not mines so the banker told me it was identity theft she advised me to call the police department so I did and spoke to an officer we went over all accounts he told me to wait a few days and come to police station to pick up a police report with all accounts listed and submit a copy to each credit bureau so I did but nothing happen so at this point I 'm trying to restore my good name and credit I need these accounts removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
It was very difficult to pay my loan due to hardship times and when I would call they would not work with me at all. All they would say is " we would garnish your wages ''. So now I had no choice but to dip into my XXXX to pay my loan off with sallie mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 send numerous letters to this company and have not received any response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They have failed to work with me period. I cant afford the payments and all i get is threats and no help. They are naveint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. 
Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Sagestream , llc provides false information that no other agency provides and false information that is detrimental to fair credit decisions. Sagestream credit score is XXXX points lower than the REAL credit reporting agencies. I have an over XXXX credit score everywhere else. I know for a fact because I just verified it. Sagestream is a scam company. They list factors like distance between area code and phone number as a key factor adversely affecting score. I have had the same number for 20 years and it is the only area code in my zip code. How they make this XXXX up Ill never know. Limited history for consumer at this phone number. Once again, Ive had this number for 20 years. It has been tied to 3 mortgages and probably 6 car loans all of which were paid on time never late and satisfied in full. Also tied to multiple bank accounts and credit cards. I have under 1 % credit utilization. They list too few retail accounts as a factor. False. They list too few active accounts as a factor. False again. They basically just make stuff up to torpedo you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My rent check ( {$1000.00} ) was bounced for insufficient funds in my Bank of America bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Bank of America Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not validated

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 2021-07-01
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have multiple credits going to my chime account. As well as my tax refund. The companies app had a glitch and there was a paynt of XXXXdollars and some cents that kept trying to send. Chime froze my account and failed to tell me what I did wrong and refused to refund the refunds that are going to that account. When asked what I did wrong they immediately closed the account. The customer service reps and manager were no help either

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The ACH amount owed XXXX XXXX was wrongly paid to XXXX Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, XXXX Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20
Company: FORD MOTOR CREDIT CO.
State: NV
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:
My son co-signed for me for a car with Ford Motor Credit Company. I stopped paying the car and Ford took it and sold it without asking my son if he wanted to take over the payments. My son wrote many letters to Ford Motor Credit Company about this, he asked them to send him proof of the letter they " allegedly '' send him to take over the payments. They never send him a copy of the letter because they don't have it, instead they send him goodwill emails that he " allegedly '' send them apologizing, why would he apologize? he did nothing wrong, he never had the opportunity to take over the payments. The goodwill emails that he " allegedly '' send to them are false, they were not signed by my son. My son and I are very tired of this situation, I hope once and for all you guys send him a copy of the letter that you guys " allegedly '' send him to take over the payments before the car was repossessed or remove this account from his credit report. He has noting to do with this, I was the one who stopped making payments, he didn't know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: NY
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 send numerous letters to this company and haven't yet received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After my auto was totaled, my insurance company paid it 's portion. For the difference, I submitted a claim to my GAP insurance company. It has now been five months and the claim remains unpaid. In the meantime, BMW has reported me to the credit bureau for the difference which remains outstanding.

Company response to consumer: Closed with explanation