BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I been properly provided all documents to my lender in time manner, unfortunately the company that was helping us. made several errors on my application and collect money in advance with promises never fulfill, at the same time, I did requested help from Keep your house California, consequently I got approved for the program. but my lender denied the funds approved from the government program.
The lender denied a modification on XXXX, 2017. I did re-applied for a modification for a second review, since my circumstances had change in different ways, i.e my wife had reduction on work hours and high college tuition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE A WHOLE LOT THAT I WOULD LIKE TO ACCOMPLISH FOR MY FAMILY AND MYSELF SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX of XXXX i opened the wells fargo business account, put in enough money and met all the requirements. i called several times and went in numerous times and was told each time and by supervisors that i met the requirements. they escalated it. they never paid me. 

in XXXX i opened a citi account and again in XXXX i was considered new for both and was told i also met the requirements, and in a chat, several times for both accounts and was never paid and have been locked out of all online accts and no one speaks english when i call.

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 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
If have been trying to get a loan modification for nearly a year. I have been getting the run around and I have been lied to on several occassions. I have applied for previous loan mods at least 3 -4 times over the past 3 years. I applied when I made more money but was not eligible for a loan mod and got turned down. I applied again when I made less and was still turned down. I appears to me that they are unwilling to help me. Since the most recent attempt to get a loan mod I have been told that documents were not received when I had confirmation that they were delivered via fax. I was sent notices to a database when I never set up to receive documents or communication that way. I was supposely sent documents from the lender but did n't discover it until I called for follow up. Had I not followed I would have missed significant deadlines that would have disqualified me entirely. I was promised that the point of contact would check in with me on a regular basis and that did not happen, I was asked to send more documents when I had already sent them. All of this confusion with the mortgage company took more time to than it should have and in the process my job ended. ( So now I am not approved for a loan mod nor eligible to refinance. ) I am in a Option Arm loan with an interest only payment option which will be done away with and this will subsequently make my monthly payments unaffordable as I used the interest option because it was most affordable. It is my belief that Bank of America has never had any intention to help me keep my home. A loan modification would help me avoid a catastropy of potentially losing my home of 17 years. <P/>My last loan modification attempt was denied in XXXX 2017. A letter was sent on XXXX XXXX 2017 appealing their decision and requested a reason for the denial because it was ambiguous and nothing was received from the lender. I called yesterday and today and finally got through and was told that today was my deadline to appeal the decision. Imagine if I had n't followed up again what would happen? I believe the lender is trying to set me up for failure. I can not refinance my house due to my employment status. I am seeking assistance in making my home affordable. <P/>The name of my lender is Bank of America. My loan number is # XXXX. My point of contact is XXXX XXXX, Home LoanTeam Point of Contact. XXXX XXXX, Resolution Specialist in the Executive Mortage Servicing Compalints Unit.

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 2019-12-06
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls and mailing from this company. I never gave them my consent to contact me. I have been harassed by repeated calls and harassed by multiple mailings. I have received up to 3 calls in one day from this debt collector. Pursuant to my federally protected consumer rights I now seek claims for damages caused by your company. Attached is my affidavit of truth proving my claims of harassment and repeated calls from a company I have no contractual obligation with.

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 2022-04-06
Company: EQUIFAX, INC.
State: OH
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:
XXXX Equifax and XXXX need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX and Transunion need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data

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 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 are two XXXX student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite making minimum payments, XXXX charged-off the account in XX/XX/XXXX. <P/>-The " second account '' appeared on my credit report in XX/XX/XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two XXXX accounts. I called the number associated with the " first account '' and the recording indicated that XXXX no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service. <P/>-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , XXXX , and TransUnion ). The results of my disputes with the major credit reporting agencies stated that the information for both XXXX accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two XXXX accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts? <P/>2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report?
<P/>
3. XXXX has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection 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 2017-06-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid  XXXX   (   XXXX   XXXX   XXXX   XXXX   ) a sum of   money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One month later I received a letter from a second company which claimed th at  XXXX  's (   XXXX   ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.

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 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I paid  XXXX  (   XXXX   XXXX   XXXX   XXXX    )  a sum of money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One mon th later I received a letter from a second company which claimed that  XXXX  's (  XXXX  ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC XX/XX/20 This is a collection reported to my credit bureau ( XXXX ) and would like them to be removed effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: ME
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:
This account information is incorrect. This amount owed was paid. Negative marks on my credit report that are false

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 2017-06-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2017 I provided check # XXXX for {$850.00} To Wells Fargo Home Mortgage at their XXXX XXXX Location in XXXX Oregon to pay down account XXXX for my home at XXXX XXXX XXXX XXXX, XXXX Or XXXX. I received a statement dated XXXX/XXXX/17 from WFHM acknowledging receipt of my payment and showing my balance go from {$98000.00} down to {$98000.00}. I later received a letter from WFHM dated XXXX/XXXX/17 stating that : " This statement contains a transaction which is the result of a payment that was not honored by your financial institution, '' and stating that my mortgage balance has gone back up {$98000.00}. In fact my XXXX XXXX XXXX check # XXXX most certainly was cashed by XXXX and I supplied XXXX XXXX WF manager with a XXXX XXXX XXXX statement showing my checking balance lower from {$1000.00} to {$210.00} as XXXX cashed my check and Wells Fargo received my payment. WFHM has steadfastly refused to provide me credit for my payment. My mother XXXX XXXX provided an {$840.00} XXXX XXXX payment to the account which WFHM has applied to the account. I will fax and or mail copies of the check I wrote, my bank statement proving the check was cashed and WFHM 's statement showing they deposited my payment and then lied about not being able to cash the payment. WFHM has stolen my May mortgage payment in the amount of {$850.00}. WFHM has inappropriately applied late fees for my ontime payment. WFHM staff have refused to correct their theft despite my providing thorough financial statements proving that WFHM has cashed my check # XXXX. Collectively, the actions of WFHM employees amounts to collusion in order to hide a financial crime.

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 2017-06-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PHONE ACCOUNT NUMBER XXXX REFERENCE NUMBER XXXX DATE OF DEFAULT : XX/XX/XXXX SCHEDULED LAST PAYMENT XX/XX/XXXX PAYMENT {$50.00} NO PAYMENT ARE REFLECTED ON XXXX CREDIT REPORT NOR HAS ANY OTHER PAYMENTS HAVE BEEN POSTED MY BALANCE SHOULD BE APPROXIMATELY {$130.00} AT THIS TIME NOT {$850.00} BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL PHONE XXXX XXXX XXXX HOME XXXX XXXX XXXX I WISH TO HAVE HIGHER SCORES ON MY CREDIT REPORT THANKS IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: First Help Financial, LLC
State: VA
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:
Companies pulled credit without contacting 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 2021-02-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Bluebird has stolen over {$1400.00} from my prepaid card. They have done this by freezing my account, they will not answer any of my calls, they are blocking my automatic debits for auto insurance, cable, etc. My utility bills, student loans, etc. are past due because of their theft. They decline me every time I try to male an ATM withdrawal to pay my bills. They have basically robbed me of my income and they apparently answers to no one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, XXXX, 2021 I was scammed into sending {$500.00} to someone advertising that a room was well kept and that my deposit would be returned to me. After realizing my error on sending the funds through XXXX XXXX, I had immediately file a claim with Wells Fargo to retrieve the funds back. After 10 business day, I received a notification stating that they were denying my claim as the were associated with Cash app and that they could not help me. I reached out to XXXX XXXX  about filing a case and was told that there was nothing they could 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 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit information provided by XXXX displays an unknown entry : XXXX XXXX XXXX ( XX/XX/2019 ) Type of Industry : Other Collection Agencies Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number : ( undefined ) undefined I have no idea what the above entry is about.

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 2019-12-06
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a statement for the amount of {$99.00} that was done on XX/XX/2019. ( please see attached invoice ) .this is with XXXX   XXXX macy 's card which I rarely used.I contacted customer service immediately after I received the statement and spoke to XXXX on XX/XX/2019 @ XXXX XXXX  she offered t open a dispute for the charges and cancelled the credit card. I received letters from macy 's on XX/XX/XXXX, XXXX & XXXX about the investigation.but no resolution. ( please see attached letters ) .on XX/XX/XXXX I received a 2nd statement with the same amount of {$99.00} for the same item purchased in XXXX. i called Macy ; s customer service and I was on hold for over an hour without being able to talk to a live person. If Macy 's have made the investigation on the purchase I would like to know the name of the store, location and city. I know I did not use the credit card to purchase a XXXX XXXX. I have no need for it and if I did I had gone to XXXX XXXX and use their card. 
I take care of my credit and this is important to me but I do not wish to pay for something I did not purchase.

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 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TRANSUNION HAS PUT ONLINE COLLECTION IN MY ACCOUNT AGAIN THIS ACCOUNT WAS REMOVED I DO NOT HAVE A BALANCE WITH THTIS COMPANY OR AL OAN THEY HGAVE NOT SENT ME ANY INVOICE THAT IS LIGT THEY ARE LYING THEY SHOWED NO PROOF OF BURDEN AND WAS REMOVED MANY TIME BEFORE PLEASE STOP ALLOWING TRANSUNION TO PUT THIS IN MY CREDIT REPORT I AM ALSO DISPUTING THE BALANCE ON XXXX  AND XXXX PLEASE ASK THAT THEY REMOVE XXXX  ACCOUNT FROM MY REPORT THE BALANCE IS INACCURATE

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