BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced XX/XX/XXXX Wells Fargo is unable to correct problem that they created by adding escrow to the loan. Wells Fargo failed to pay property tax which caused home to go to tax sale. Spent three months telling them they forgot to pay my property tax. Finally in XX/XX/XXXX they paid taxes late which cause the next year escrow account to double causing financial issues. DO NOT NOT WANT WELLS FARGO TO PAY MY ESCROW. 
The following year computer decide to triple my escrow account as payment was under {$400.00} a month and with escrow around {$500.00}. Last years account was {$560.00} which should be XXXX dollars less and taxes and insurance should be no higher than {$500.00} This years escrow should be not {$600.00} for their mistake but again there was over {$800.00} short fall. Each time I call and right they delay and refuse to admit the mistake and give me credit. 
The customer relations department is terrible and just lie or transfer to another department Account XXXX Wells Fargo Bank

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 2020-10-08
Company: Experian Information Solutions Inc.
State: TX
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:
on XX/XX/2020 I resolved and settled my XXXX  account with XXXX XXXX. Which means my account should no longer reflect in collections on my credit reports. As the account is not in collections any longer.

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 2017-10-04
Company: Modern Adjustment Bureau
State: CA
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:
XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off this account and I would like it to be removed from my credit report as soon as possible

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 2018-01-24
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my experian credit report without my knowledge please have them remove from my experian 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 2018-01-25
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please remove the current debt listed on XXXX and XXXX being that the debt was removed and is no longer listed on XXXX. I Am asking that you honor the XXXX report and its removal of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: PHH Mortgage Services Corporation
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: Account status incorrect

Complaint:
This mortgage was included in a chapter XXXX bankruptcy and was not reaffirmed. I have one 30 day late and from I understand this should not be reported on my credit report because I am no longer financially responsible. This has caused my credit to drop by 30 points. It is illegal to report this information as I am protected by the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems refuses to verify the debt that they are dinging me on my credit reports. They simply will not verify the debt, yet my credit is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
credit collection services is trying to collect a debt that I don't owe them, I've never been in any business with this company, not even sure they are authorized to collect debt in this state. They purchase the debt from XXXX which over charge me for services they did not provide to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I contacted XXXX regarding an acoount in my name that was fraud.I was sent an affidavit and I signed.I was told the accout was resolved.Now I have a clooection company contacting me regarding a balance never made and this impact my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX  2017 I transferred funds ( est 1030 ) from my dash wallet in XXXX to my bth wallet in Coinbase, funds still not showing up in my Coinbase Wallet neither pending or in process, there is more then 5000 confirmations on XXXX and I can see transaction is credited to Coinbase address on my XXXX  statement. Over the month I was writing emails on opening ticket, to Coinbase support but nobody answers and there is basically completely ignored, they not answering on socials ( XXXX etc ) I have send more then 10 emails on my open ticket during this month but there is complet silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My PayPal account has fraudulent activity and I don't have a clue how to use it I have a PayPal card for the account but never used it also my XXXX account has been hacked as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: American Financial Resources, Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a VA construction loan through our broker ( XXXX XXXXg ) and AFR was the lender. We had an issue with AFR from the beginning when AFR refused to agree on a draw schedule for our builder. The builder says they have never in their 20 years of building experienced this so we naturally were upset and we sent a complaint to AFR regarding the issue asking them to please work with our builder. Then we were days away from closing and AFR decides that they have refused to accept our garage ( built new in 2011 ) as equity. Which the appraiser, broker, and builder all said that in their 20 years of service they had never seen a lender not accept a garage as equity. Also, in the VA Loan Handbook the lender is required to give value for buildings on the property. The lender was made aware of the VA policy but still refused to consider it as equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. According to the HOMEOWNERS ACT Any loan modification shall payment schedule should be recalculated.mine obviously was not? I have been in contact with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have reapeatly contacted XXXX XXXX XXXX and American Financial Solutions since XX/XX/2018 regarding a medical bill obtained on XX/XX/2018, that has been paid by Medicaid. I have spoken with the supervisor at XXXX XXXX XXXX that have verified that the bill was paid. I have spoke with a supervisor at AFS who has also verified that the bill was paid. Instead it was sent to XXXX as a debt. I have been told that the information will be corrected by XXXX XXXX XXXX and AFS. It is still showing up. In addition it should never been placed on XXXX since it was paid by the insurance ( Medicaid ) in a timely manner. I had excellent credit ( 800+ ) until this was placed on my account with XXXX . I dont have money to obtain a lawyer to correct this mistake.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions 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:
Experian isnt allowing me to Dispute against creditors that are not mine. Experian is favoring the creditors as I have told them time again I had fraud identity theft on my name. Experian doesnt want to do anything about it and will not dispute with these creditors! Experian is deterring me to not Dispute. Also Ive asked why are you blaming the XXXX as Ive chatted with them and all information is correct to pull credit report and score for the premium service I have with Experian. This company will say and do anything to not help consumers. Unethical treatment by Experian. Very dissatisfied with this company to help consumers and favors creditors and lenders.

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 2018-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
they let XXXX XXXX pull my credit twice in two days why? 

XXXX XXXX  cra violation inaccurate info XX/XX/XXXX Credit Unions XXXX XXXXXX/XX/XXXXCredit Unions

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 2020-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i XXXX XXXX have the right to dispute anything inaccurate by law

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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX student loans keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

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 2018-01-27
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: Their investigation did not fix an error on your report

Complaint:
I've trying to contact all three credit agency for the past year, and No response has been provided. 
According to my credit report I have no Late or Negative issues on my credit history, But the credit agency keep saying is I have " Too many installment accounts with a delinquent or derogatory payment status '', but I have none. 
Please help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: CORELOGIC 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 belongs to someone else

Complaint:
I called XXXX  and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : Credco and XXXX 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 2018-01-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express sent an email to apply for the Delta sky Miles credit card after spending {$2000.00} I would receive XXXX Delta Sky miles and a {$50.00} statement credit. I completed the minimum spend in XXXX and have not received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: AMERICAN EXPRESS COMPANY
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 dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my medical bill, this is my ex wife and which she is not even on my insurance. This needs to be removed off of my credit credit file and collections need to stop. How can I be responsible for someone else debt. Please help I have disputed this also.

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 2018-01-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX Wells Fargo bank XXXX XXXX Florida and all branches* said I went to the teller window and withdrew funds and wrote checks, I was in a facility through the entire time and before a XXXX Circuit Court Judicial Judge XXXX XXXX , the amount lost or stolen was greater than {$2000.00}. I was told the claim was denied, that the signatures matched. I was given copies of the withdrawal slips, I did make withdrawals at the teller window after XX/XX/, and the slips had my signature, there were alterations on the bank slips. The checks I was said to have written are said to be lost or stolen, they were never recovered, the funds were never returned to 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 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of XXXX XXXX inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.

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 2018-01-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My bank account was Levied from an account I have never had. XXXX XXXX The notice was from 2011 this was 7 years ago and not they levied my account. 

According to the Timed Barred Debt with the States Attorney Generals office this is uncollectible. 

I do not owe this debt. 

I never had an account with XXXX XXXX

Company response to consumer: Closed with explanation