BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. XXXX - mailed XX/XX/2020 4. Experian - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to XXXX 3. Response received from XXXX that does not include the method of verification required by the FCRA. 
4. Dispute letter to Experian 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers

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 2021-03-15
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1XXXX XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. Equifax - mailed XX/XX/2020 4. XXXX - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called Equifax on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to Equifax 3. Response received from Equifax that does not include the method of verification required by the FCRA. 
4. Dispute letter to XXXX 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a savings account XX/XX/XXXX for {$25.00}. They said if I had {$100.00} in the account in 3 months I would not be charged the {$4.00} fee. I had {$100.00} in on XXXX XXXX, and on XXXX XXXX they charged the fee. If they do this on me, how many others are being cheated each month. I would like the looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Company is now requesting an explanation for an XXXX XXXX monthly expense that I indicated on my loan modification worksheet. 
When I completed the loan modification worksheet, I contacted my loan servicer, Mr. XXXX XXXX, to ask him for guidance. He instructed me to fill in this worksheet with the amount that I expect to pay for my monthly mortgage payment ( on the mortgage currently owned by Mr Cooper ). Before this process began, I was paying {$840.00} per month on this mortgage, so I indicated that I expect to continue to pay {$840.00} on this mortgage. 
To re-iterate : This property only has one mortgage listed on it. This mortgage was previously held by XXXX, and they sold it to Mr Cooper, who instructed me to list my expected monthly payment on the loan modification worksheet. 

Now, Mr Cooper seems to have forgotten their own instructions, because they believe that my XXXX XXXX monthly expenses are for an additional mortgage, or for a separate property. I have told them numerous times that my only expense is for the mortgage that they currently hold, but they seem unable to grasp this simple detail and continue to ask for information to reinforce their mistaken assumptions. 

Mr Cooper needs to validate and complete my loan modification request ASAP, without further delays, excuses, or needless requests for documentation. They have been provided everything they need, multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
( XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, FTC XXXX, FTC XXXX ) COMPLAINTANT has used Venmo service without problem in the past with two different bank accounts. Around XXXX, COMPLAINTANT has voluntarily terminated his account. In/About XXXX and on XXXX, Venmo staffs indicated that bank statements were needed to reactivate those bank accounts under his accounts. However, for new accounts, bank statements were not necessary to verify account ownership. COMPLAINTANT has traveled or visited various places with wi-fi hotspots where he is certain that other parties were using Venmo at the time as well as exchanging payments. On XXXX, Venmo has suddenly froze/locked COMPLAINTANTs account to require a photo ID upload. Upon upload ( XXXX ), Venmo went further to require bank statements on all his bank accounts ( XXXX ) related to the Venmo account, contradicting their earlier statements on XXXX that bank statements are only needed when re-activating or migrating from previous accounts to newer accounts. When COMPLAINTANT has questioned whether there was valid reason to place a restriction, Venmo has suspended/revoked his account. On XXXX, Venmo has sent a final Venmo statement that lists all transactions. Interestingly, Venmo has sent an updated statement on XXXX upon being confronted by COMPLAINTANT for sending incomplete information. ( Not to mention that Venmo needed COMPLAINTANTs help for navigating around its own system ). COMPLAINTANT is baffled that PayPal is overlooking whatever security flaw that Venmo to have allowed COMPLAINTANT on its platform as Venmo employees kept recommending PayPal to COMPLAINTANT for transfers instead. On XXXX, COMPLAINTANT has verified with the Venmo representative that the account was to be operational after adding debit card information. To add to the mystery, on XXXX, a phone number that was never used with Venmo was rejected as invalid number upon enrollment. On XXXX, XXXX with Venmo has claims that COMPLAINTANT is too much of a high risk to be allowed on Venmo platform. Citing that previous use of his bank accounts on the platform was problematic, not to mention that ( 1 ) previous account/s were closed voluntarily without issue and ( 2 ) XXXX call indicates that no problem was found by Venmo representatives on COMPLAINTANT 's account as well as insisting that addition of debit card would fix any remaining issue. Venmo staffs are seen disguising their request for bank statements with the use of taking on unnecessary role of enhancing banking security. COMPLAINTANT recalls no action taken on his part to cause this problem, but that Venmo has unilaterally started this unfounded act and later on accuse COMPLAINTANT for being unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
People pulling my credit reports with out my concend 2 reports every month for over a year time period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: MD
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 have been disputing the inaccuracies on my credit report with all three credit bureaus. There are two items on my credit report that I have no knowledge of and, I would like to know how to have this matter resolved. I also disputed directly with the furnisher and they did not provide me with the correct information to validation the debt

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 2020-05-10
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameJEFFERSON CAPITAL SYSTEMS Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$540.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan depot charge me appraisal fee wit out my consent and told me we will refinance by XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
transunion are reporting false information. The accounts that are open by FRAUD a XXXX  XXXX XXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX  XXXX  XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on XXXX  XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE ONE XXXX XXXX XXXX with a XXXX balance.

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 2020-06-08
Company: EQUIFAX, INC.
State: TX
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:
Received letter in XXXX XXXX from XXXX XXXX of TX about an account default of {$3300.00} on an account I never opened ( my mail was apparently stolen ). I contacted local office. Contacted local police. Received a fraud packet. Attempted to contact fraud dept./XXXX XXXX w/ multiple voicemails & got no reply. Finally got copy of bad check ( accepted by XXXX XXXX ) in XXXX XXXX. On the reverse of the check is my TX DL number. All other info is fake & not my signature. **Also noticed on my Equifax report a Collections from XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX for use of XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never been to such a place ( they are in XXXX & XXXX XXXX, not near me in XXXX ). This is not my bill. I never made this visit and don't know how to correct this breach. 

The police told me they couldn't open a report on what I gave them but I could go to identitytheft.gov & fill out the info which would be like a police report for XXXX. I sent them a letter provided by the website, as well as one to Equifax. 

Since then - XXXX, I have heard nothing back from XXXX XXXX nor anything of substance from Equifax. My FICO score has gone from high ( XXXX ) to the low 600s to back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I decided to open a new checking account after receiving a promotional mailer from Capital One 360 Bank offering a free {$400.00} ( promo code = XXXX ) for customers that open a new checking account before XX/XX/XXXX and receive XXXX direct deposits of {$250.00} or more within the first 60 days. I called Capital One and spoke with a representative the same day because I pon completion, there was no direct mention of the promotion. The customer service rep told me the promotional mailer would be honored after I filled the requirements and instructed me to call them back. I went ahead and setup my salary payments for deposit into my new Capital One checking but when I called them back I was told that I only qualify for a free {$100.00}. I told them that I did n't want to open a new account and go through the hassle of changing my direct deposit information unless I was going to receive the free {$400.00} and I feel like I was intentionally deceived with only the bank 's best interest in mind. I think Capital One 360 Bank should honor the free {$400.00} promotion that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Source Receivables Management LLC
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:
Source Receivable Management informed me that upon payment of the collection, the collection will be recalled by XXXX and the collection account will be removed from my credit within 30 days. Now they are telling me that this conversation never took place. They refused to transfer me to a supervisor as the account is no longer with them. Then why are they still reporting the collection if the account is no longer with them? 
Source Receivable is engaging in a very disturbing and misleading practice. They are informing clients that the collection will be removed from the credit and than failing to honor their word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: ERC
State: CA
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:
On XXXX XXXX, 2015, I wrote a letter to Enhanced Recovery requesting that the debt they say I owe be validated ; not disputed, but validated. I asked that their office provide me with competent evidence that I have any legal obligation to pay them. I requested that they send me the following items : What the money you say I owe is for ; provide a detailed list of any and all services or goods purchased and a line by line itemization of charges. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the statute of limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and registered agent. 

I demanded that they send me a deletion letter immediately if they could not provide me with competent evidence that I have any legal obligation to pay. 

Enhanced Recovery did not send me anything but a balance amount and a dispute letter. This is not what I requested from their company. If they can not validate this debt with evidence, I demand that this debt be removed from my credit report and a deletion letter be sent to me immediately. 

I have attached a copy of my letter I sent and a copy of their letter in response to me.

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 2017-02-02
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
this complaint is about Wells Fargo Mortgage! Mywife was outof a job and our daughter just went away to college. We got behind on our payments, so I went through the process with Wells Fargo for a loan modification. During this time of the loan modification, I was told not to make any payments. After about three months I was denied the modification. I was told I could appeal the decision, which I did. Again, I was told not to make any payments during this appeal time. I was denied the appeal. This process through Wells Fargo put me behind on payments and now they have my mortgage in the ACTIVE forclosure status. I only did what they said and now I might lose my house. I believe the whole modification/appeal process is a scam! I even offered to make a payment and they said NO, it will be denied. But now they want to foreclose on my house. Please help!!

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 2020-04-17
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX My wife and I made a one time purchase of several items. This purchase included 2 bar stools, The bar stools was never delivered to us on the first delivery. Then the 2nd time of delivery they were delivered broken so we did not accept them and returned them with driver. Then we went to the wherehouse to pick them up and again they wanted to give us broken bar stools which we did not accept them and decided to forget the purchase of them. We went to Ashley furniture on XX/XX/XXXX and had a big argument with the Supervisor of the XXXX store and requested a credit on the Ashley Synchrony Bank credit card, which they agreed on. The bar stools was removed from our purchase and a credit memo was completed. The cost of the stools was removed. Now I see the charge for the stools of {$230.00} was placed back on this month for a purchase that was never made on XX/XX/XXXX. I want the charge removed for the 2nd time and stay off completely and not charge me again for the purchase of broken items that we refused to take. My Ashley Synchrony bank card last digits are XXXX. I am not paying for broken items that we did not take. 
Synchrony bank took this charge completely off the credit card and balance in XXXX and then put it back on again in XX/XX/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 2021-03-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated IRS taxes was not received as well as a subsequent payment in the amount of {$500.00} which represents a mediation offer. The payment amount of {$3700.00} was offered to me by an XXXX XXXX while speaking over the phone in XX/XX/XXXX, it appears that check was intercepted and cashed by another party in which case another check was supposedly sent to me after I had moved in XX/XX/XXXX, the subsequent payment amount of {$500.00} was also sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. As explained in prior CFPB complaints, anything sent to old address would not be received, this includes a letter sent from mediation regarding offer amount of {$500.00} which was not received and or signed by myself. Needless to say, Wells Fargo reps can not refer back to it as they have attempted to do so prior, as again, it was not signed by myself. Wells Fargo has replied in the past in part by sending additional mediation request forms, a total of six have been filled out, denied, some reference the letter previously mentioned which was not received or signed by myself. Most recently, I received an IRS form which shows the settlement amount of {$3700.00} plus taxes reported to IRS by Wells Fargo. This is the second such form received, a form 1099, reports a payment not received in which case my taxes have already been filed and will cause an audit. The IRS will charge interest on any additional funds owed, once they audit the return. I request Wells Fargo to fix this error due to non-receipt of funds, they have reported this amount twice, in XXXX and now in XXXX for payments never received. In closing, Wells Fargo may show cashed checks, however, I can assure the CFPB those payments were not received as I moved in XX/XX/XXXX and were issued after that time period.

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