BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-04
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: Account information incorrect

Complaint:
i have paid XXXX XXXX  XXXX XXXX over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX credit card and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 capital one credit cards includeing walmart/cap one and they have refused to report the drop in balance, also on sync care credit payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am Native american and feel i am being fisciminated against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Diversified Consultants, Inc.
State: NM
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:
at one time my daughter was on my XXXX bill i changed carriers later at some point she got her own account selling her a bunch of stuff she did n't need & could n't afford abt 6 months later i discovered sprint debiting my credit card with her debt i made them refund it also told them she was to pay her own bill she got out of a job could n't pay bill they cut it off i just found out thru credit karma a month or so ago they had turned it over for collection i do n't owe the bill if they insist i will sue them for debiting my credit card my daughter did n't have access to it the only way they could have gotten is by saving number in data base because i only used credit card when i bought something

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: AMERISAVE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan in XXXX to refinance a house with Amerisave. There were constant delays and multiple requests for the same paperwork which I submitted. Finally in XXXX, more than 6 months after I was preapproved, XXXX XXXX advised due to all the new employees, my entire application was corrupted and they were not able to fix the issue so they were going to return my {$500.00} application fee. This has cost me thousands in extra finance charges due to their delays and I still have not received the refund. Now I am not able to get them to respond to my calls or emails and it's been over 4 months since I was supposed to receive my refund.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
more than 2 years ago, I ordered a phone XXXX on-line, while the phone was said to be out of stock online after I had placed the order I called an agent and asked them to cancel the order, the next day not only did I receive XXXX phone, but XXXX. I rejected the receipt XXXX and sent it back to XXXX, what was I to do with XXXX phones? Since this was a very high end phone, it required a high end data plan. which I got. On a monthly basis I kept getting billed for XXXX additional lines ; 1 ) for the phone I kept 2 ) for the phone I sent back. I called XXXX about this and they said that they had not received the second phone yet but that I should check back. A few billing cycles had happened and I kept paying it. My account then had gone to collections as I refused to pay the excess fees because I only had XXXX phone, their records did n't show any calls coming in to the second line they were charging me for. My account was sold to the collection agency called Diversified Consultants with whom I tried to settle. Before I tried to settle I called XXXX and asked them if they had received the phone in their inventory, by then they said yes, but I had to deal with the collection service to settle the account. I spoke to an XXXX XXXX, several times to attempt to settle this, even though they say the conversations are recorded for quality, they have still not been able to produce XXXX. They agreed to take XXXX payments from my account totaling {$450.00} to clear this debt up and to send them a letter. This was back in XXXX 2014. Recently I ran my credit report to see if I could qualify to get a home loan, and this thing pops back up in my credit, but now the account has been sold to XXXX XXXX and there is still a balance of {$800.00}. I called XXXX XXXX and explained my situation and they were unable to help me as they said I needed to get a receipt of payment from Diversified Consultants. I called Diversified and they are not stating that all I paid was the fees I felt I owed and not what was really due, that I had to dispute the rest of the amount XXXX, I asked them what about the letter I sent them, they said that they did not receive it. I have moved and can not locate the blasted letter but I know I sent it. I 've tried to get a hold of them, they are not helpful. I spoke with someone who actually wanted to help and said they would send me a letter confirming the amount they had received. I received the letter a week late stating that I still owed THEM XXXX {$800.00}. I received the letter by email, attempted replying to it and the email bounced back. I also attempted calling and only go routed around and eventually dropped. I need this removed from my credit report, it was a mistake on XXXX behalf not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/XXXX I summited a dispute regarding a negative account reflected in my credit report. This account is listed as DSNB/Macys account # XXXX the reporting party " DSNB '' noted that the account was verified and and current status is now charged off. DSNB has failed to respond to my numerous disputes regarding this fraudulent account. This account does not belong to me nor did I give consent for this account to be created. Furthermore, DSNB continues to report this account as belonging to me which has caused me great hardship financially. DSNB has failed to respond to my inquiries related to the validation of this account and has not provided me any factual information to help me determine where this account came from so I can file a police report. ( Consumer Report # XXXX as of 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 2017-01-08
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Diversified Consultants, Inc., XXXX, XXXX, FL XXXX sent a debt collection letter, XXXX/XXXX/XXXX, with 30 days to dispute debt. I tried unsuccessfully three times, XXXX XXXX, XXXX, XXXX, leaving two voicemail with contact name and number for a XXXX, XXXX, XXXX, along with calling XXXX. How can a consumer dispute the validity of a debt when there is no interaction from this company. As of this writing, I sent an email and will send a letter per USPS. 

Per XXXX, t am being charged for equipment which was returned, XXXX/XXXX/XXXX, XXXX, cashier XXXX, receipt XXXX, account XXXX, serial number XXXX, model TH, charged {$90.00}. 

Billed one month in advance by XXXX, service stopped on XXXX XXXX. XXXX, owing only 5 days of service. Since XXXX billed me one month in advance for service, I do not owe, in fact XXXX double-dipped with the first two of my initial billing, owing me : XXXX, {$86.00} XXXX, {$58.00} Billing dates overlapped by four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: AZ
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:
Ok on XX/XX/XXXX I sent a request letter to the reporting agency about some inaccurate things on my credit report that are violating my rates about the FDCPA. Now it has been over 60 and nobody is helping me get this resolved. Nobody has any answers or can help me get these misinformed items off of my report. You all are my last resort since i have no information on whats going on. FCRA Section 611 ( a ). says if they don't investigate these items within 30 days they should be immediately removed from my credit report it has been over 60 days so they should be deleted according to the law right?.

I demand these accounts be deleted immediately or I will have to file for litigation due to all the stress you caused me. I know my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My vehicle was taken and sold in auction amerca first credit uniou refused to give me proof of what the vehicle sold for and how they came up with the remaining balances. I asked for the aiction statments and i javnt recived any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am once again writing to CFPB about ongoing changes to my account. 
First, let me say that I have been paying this account from the beginning and more recently, although we are in a financially destructive pandemic, I have not missed one payment. I have still paid the full amount of my monthly bill, and at times paying over the required amount. With this said I am still incredibly inundated with added fees.

Second, I have always paid my own property taxes and home owners insurance. I have written and provided Select Portfolio Servicing, inc. with the required documents requested. Although this document is on file at Select Portfolio Servicing , inc, I am still being charged a monthly fee to pay property taxes. I have also not lapsed in my homeowners insurance even when switching to a better insurance servicer. When the residential taxes and insurance are paid by me, the fees are not taken off. This has been happening for years.

Third, a Select Portfolio Servicing, inc. representative went so far as to divisively pay my property taxes even though Select Portfolio Servicing , inc. has on file that I pay them myself. When Select Portfolio Servicing, inc. found that the XXXX XXXX department would not return their duplicate payment, Select Portfolio Servicing, inc. charged me the unreturned payment.

Fourth, I am consistently charged other fees that are not explained on any billing invoice.

Fifth, I am being charged a fee that fluctuates each month I make a payment and appears as a late fee. This fluctuating fee is posted although I have paid and continuously paid from the beginning, on the last day of the month. I GET THIS FEE EVEN AFTER CONSISTENLY PAYING DURING THIS PANDEMIC AND HAVE NOT MISSED ANY PAYMENT.

Sixth, when I pay extra on the monthly payment it seems to vanish and I do not see any of the extra payment listed. But Select Portfolio Servicing, inc. fees are always posted and clear without explanation. 
Please see all previously attached documents as this is an ongoing issue. 
Awaiting Your Response, XXXX XXXX, Physicist/Instructor Retired Account # XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a summons regarding a debt oved from XXXX for {$7.00} and from XXXX/XXXX/XXXX for {$150.00}. I was never served with the original summons in XXXX so had no way to dispute it then. We I asked CBS for a copy of the original summons they provided XXXX & put a note with it that the original summons for XXXX was not 2 checks but 1 check and a debt. I have attached 10 pages from all of the correspondence with CBS & the court. I tried filing a few minutes ago but after I got all done there was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have just submitted my story. If CFPB can help, my story should be considered as my complaint. Increase of 33.33 percent in period of loan ( 30 to 40 years ) and reduction of rate of interest by 21.54 percent ( from 5.1 to 4.0 percent ) for hardship loan modification is neither justice no fair practice with the customers/homeowners. This credit goes to CHASE, my mortgage financer. I have only XXXX house and it is my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I received a copy of my Experian credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Experian or XXXX XXXX. I advised Experian that this account is in litigation and that it needed to be removed. Experian removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.

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 2016-05-22
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from. I had previously disputed this account. I have never done business with COMMONWEALTH FINANCE # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt COMMONWEALTH FINANCE purport I owe. I request that COMMONWEALTH FINANCE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COMMONWEALTH FINANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My issue is that there are several debit transactions to a XXXX binary options broker that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for this merchant to do business with United States citizens unless they are regulated and licensed with the CFTC. They are not regulated or licensed with the CFTC, but the merchant lied to me and said that they were. I only found out they were fraudulent when I tried to make a withdrawal of my funds and instead they locked me out of my account. The merchant stole my money! 

I originally filed a dispute for these transactions as unauthorized transactions because the merchant was n't authorized to do business in the United States. Therefore, I thought that 's how it needed to be filed. I should have disputed under a different category. Regardless, I do n't think there was too much investigating into my case. 

They also closed my account for filing a dispute!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Salter Enterprises, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a condo back in XXXX of this year, I had my credit report pulled from the mortgage broker that was used to oversee the transaction from the seller. My credit score was too low to get financing so the owner decided to finance the loan for me, until my score was high enough to get it refinanced. Some 4-5 months later the mortgage broker decided to pull my credit report again without my consent or authorization to see if I could get financing through the company he works for. I have credit monitoring and the next day I received an alert stating I have a new hard inquiry on my file. I researched the XXXX party involved and discovered it was a mortgage lender. I called the mortgage broker and he said he had pulled my credit to see if I now qualified for a loan. I told him that was wrong and would lower my score and that I had no desire to use his lender because I already had XXXX in mind. From there I contacted XXXX and XXXX to have the inquiry removed, and they told me the steps I needed to take in order to have the inquiry removed. I forwarded that info over to the mortgage broker so he could rectify his unethical mistake. He said he would take care of the problem and acknowledged that he was wrong. After some back and forth correspondence he said he spoke with his boss and was told there was n't anything he could do because he did n't want to be in any trouble. I have n't heard from the mortgage broker at all and he refuses to answer my calls. Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2021-04-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking account ( Wells Fargo ) that had {$2300.00} through online on XX/XX/XXXX. She said to me that cashier check would be issued next day ( XX/XX/XXXX ), and I could receive my check within 5~7 business days. However, I haven't gotten my check until now. 
So, I called Wells Fargo several times, but the customer service employee said you just needed to wait. I waited almost 50 days and did not receive any letter or response from the bank. On XX/XX/XXXX, I called customer service other part again, and I said to her I thought the cashier check was lost. She finally answered my request. " Our bank can not cancel the issued casher check until 90 days from starting day of issued date of it, and you can declare lost your check after 90 days from closing date. '' I received the file of declaring cashier check from her after 5 days. 
What can I do? I want receive my money right now, and I am very angry. I can not trust 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