BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are writing to explain our current situation with our mortgage servicer Wells Fargo. As per out attorney he has advised to file a complaint with your organization based on the reason we were given for a denial. Our attorney has received several of the same worded denial letters all where wells fargo is the servicer of a loan. The exact wording given in the denial is as follows : " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' How is it that our loan owned by XXXX and serviced by Wells Fargo and yet we are not eligible to be reviewed for the making home affordable program. We meet all the requirements to be approved for this program and have attached a copy of our submission that was sent to the bank providing supporting evidence for our qualification for a HAMP modification. 

We do not know where to turn at this point as we are being told our servicer can not help us because of our investor yet we are not allowed to ask our investor for assistance. Please help us receive a fair and proper review for assistance. In the meantime our attorney is looking into the potential for a class action law suit given several recent identical denials from Wells Fargo claiming the investor wont give them permission to offer assistance. 

We can not believe that this would be an acceptable rational given for refusing mortgage assistance. We are asking you to look into this and help us get reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They calling my house and asking to speak to my daughter, when they are told she does n't live here they tell me that I am lying and they will continue to call me XXXX Times a day if they want to, they wo n't give me thier address so I can send a cease and desist letter so I told them to cease and desist calling but they continue to call the name of the company is security credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Windham Professionals, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The student loan accounts are reporting after they were removed from my credit report. The debt was sold and re-reported! I have sent the collection company all documents as proof, the debt was not mine. They mentioned there was no contract on file and that it would be removed. It has not!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/2016 I noticed that there was a collection of debt posted on my credit report ( XXXX ) reported by American Medical Collection Agency,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX as on XXXX. I did not receive any kind of notice for this debt collection agency.Upon calling the collection agency at XXXX and checking about this, they agreed and confirmed that they had a bad address on file and the status of the notice sent was " undeliveable/not delivered ''. Since this was a mistake on the agency side I requested them to report removal of this collection debt to the credit bureaus, which they initially disagreed to do so. Meanwhile I had applied for an Auto loan/lease on XXXX/XXXX/XXXX which did n't get approved initially as I didnt have the Credit score that are they looking for. I had to provide additional documentation references etc to support the credit application but still my rate of interest went up. I could n't get the price that was initially agreed upon just because of my credit score which was affected badly by the reporting of American Medical Collection Agency. After repeated calls and I informed them that I will initiate a legal action for no-notice and reporting by which creating negative impacts on my credit score and history. Then they agreed and accepted to remove it so that they dont face a legal action. On XXXX/XXXX/2016 they agreed to me to provide a documentation stating the reason for the removal of this debt collection from my credit report, which is being denied now. Because of all these troubles, confusions and issues, I got hit XXXX points on my credit report XXXX XXXX to XXXX XXXX which caused a loss of more than {$1000.00} in the pricing of the deal, additional documentation, time and immense XXXX. So I request the Consumer Financial Protection Bureau to take action against this agency and direct them to provide the information and documentation i.e reason for removal of debt collection which I requested as I stated earlier. Also direct them to compensate my loss appropriately which was caused by their mistake of no-notice and having a bad address. Also I have attached the copy of Credit report stating the removal of the Debt Collection record by American Medical Collection Agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
There has been fraudulant activity on my account. I have made contact with the bank and they are not trying to help me in any way. They told me that I am participating in some sort of scam so there is nothing they can do to help me. This is the second time in the past 30 days that something like this has happened. The first time, they claimed they looked into it and found nothing wrong but did reverse my funds. Now, this has happened again and they are not willing to help me at all. There was over {$4000.00} deposited into my account not by me and I do n't know who by and then it was taken right back out at a local ATM with the funds that I had in there. USAA claims that this was me and that everything I am telling them is a lie. This is absolutely not me and I have no knowledge of who it is and what bank would allow a withdraw for over $ XXXX at an ATM? I need this issue investigated and I want my funds back that someone has taken from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Diversified Consultants, Inc.
State: GA
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:
I had service with XXXX. Contacted XXXX before I went on cruise and was assured that I will not be charged extra charges for my phone service. I came back off cruise and receive a phone bill for XXXX for charges XXXX claim came from XXXX cell towers. XXXX XXXX the charges were billed to my sprint account from carnival. No where in my contract about third party billing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I'm being billed for charges on a Chase card that had been locked and inactive at the time of charges when I called Chase the people on the phone could barely speak English.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern ; As of yesterday ( XXXX XXXX & today XXXX XXXX, XXXX ), I was notified via my Experian credit monitoring that ( XXXX ) inquiries were pulled against my credit report. The following are the companies that pulled them ; XXXX - XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX, XXXX - XXXX ( Credit card ) First off, I have called and spoken with both vendor 's concerning these inquiries. With regard to XXXX, I spoke with ( 3 ) different people in different departments and the common theme of all of them was that they do not see that an inquiry was pulled. They did confirm that a soft inquiry was pulled yesterday XXXX XXXX, but stated they were " positive '' that a hard inquiry was not requested. This is obviously a fraudulent inquiry to which I want disputed as such. 

With regard to XXXX, they stated that they can not remove the inquiry because it was initiated online. I was told by their department that if it was done over the phone versus online, that they could have removed it accordingly. This of course makes no sense to me. I would in turn like to dispute this as a fraudulent inquiry as well. 

To say that I have had a lot of difficulties with XXXX over the past month is an understatement to the degree that as of this morning I also filed a CFPB complaint against them for the number of inquiries and the apparent fraudulent activity on my account. 

Please feel free to contact me with any questions or concerns or if there is anything that I can do to better help expedite my request. I can be reached at XXXX absolutely anytime. 

regards, XXXX XXXX XXXX Credit file # : XXXX DOB : 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 2016-03-04
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. AS the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.

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 2022-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
JP Morgan Chase Authorized a payment to a Hotel in XXXX saying that they had approved me the credit to rent a room when they won't even cover me if I don't have the money in the account. So now in XXXX they want to charge me {$460.00} Dollars I never ask for and because they couldn't get in contact with me they charged me didn't even send me a message on my app that's really trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX XXXX LLC. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$640.00} ) that is : ( XXXX ) paid/settled ( XXXX ) old, obsolete and out-of-date ( XXXX ) over the Statue of Limitations ( XXXX ) time-barred ( XXXX ) used to intimidate ( XXXX ) purposely omitted date ( s ), time, purchases and amounts.

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 2016-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved 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 non-monetary relief
Consumer complaint received 2015-10-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a medical account from an ER visit. I am covered under the VA but the VA never paid, but I did not find out until I was checking my credit report. I paid it immediately with the intention of having the VA reimburse me. The collection company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA told me they would remove the submission to ALL credit bureaus on XXXX/XXXX/2015. They also send me a letter to confirm that this was paid in full. But Experian keeps reinserting it and I have sent them proof. I call XXXX XXXX and they tell me that they have removed it from all XXXX bureaus, I call Experian and they say no that they keep receiving it for submission. I WANT IT REMOVED, IT IS PAID IN FULL!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To Whom it May Concern : Pursuant to Case number : XXXX, Transunion agreed to remove the late payment reported for XX/XX/2015, regarding XXXX Acct. No.XXXX. 

Transunion is currently reporting the XX/XX/2015 payment as 30 days past due. 

I demand that Transunion remove the late payment from my credit report, and ensure that it is permanently deleted.

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 2015-05-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Applied for credit, discovered my report is merged, only through Experian, with another persons. Placed a 90 day credit alert through XXXX to be safe. Recieved a letter from Experian stating they can not honor my request. Called and was told I would be transferred to a department that would fix the issue - was an automated line with no help. Called, communicated the issue, was told 3-5 business days it would be fixed. Received a letter stating an inability to honor my request. Was contacted by the individual my report was merged with informing me our reports are still merged and that they received my personal credit information along with theirs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian and XXXX report my XXXX XXXX XXXX credit card two times. 1-as " lost or stolen ''. 2. as paid on time satisfactorily. The " lost or stolen '' is also reported as Derogatory Information by Experian. 
On XXXX/XXXX/15 I phoned XXXX XXXX XXXX to voluntarily cancel my cc because I had n't used it for a long time. I got caught in a telephone loop and finally yelled " LOST CARD '' hoping to speak with a live rep. The loop continued to say that I would be sent a replacement card. I hung up and immediately phoned again. After another 15 minutes of telephone loop I somehow finally got a real live rep. Told her that I had just previously reported my card as " lost '' hoping to get a rep. That the card was in my hands and NOT lost. Told her not to send a replacement card and that I was voluntarily canceling the card. She corrected their records to reflect a voluntary cancellation and not a lost/stolen card. The above XXXX credit report agencies are still double reporting this card as mentioned above. They should correct their records and report the card only one time ( not two times ) as closed per customer request and delete any and all references to lost/stolen. Likewise, if appropriate, recalculate my credit score if appropriate. 
Thank you so much for your assistance now and in the past. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was a victim of their inquiry removal and reinsertion without a 5 day notice reinsertion letter per FCRA. 

The following inquiries were reinserted : 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 explanation
Consumer complaint received 2015-11-12
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called Synchrony Bank today to pay my bill. After waiting ten minutes for the representative to find my XXXX account using my social security number, he told me he could not find it. I have already filled a complaint regarding this account after a {$240.00} payment was not applied to my account in XXXX 2015 and my account was sent to collections. I have already spent multiple hours over the last six months trying to locate my account in order to have my account updated and only when I finally filed a complaint here with the CFPB was anything done. At the end of XXXX, I received a correspondence from Synchrony Bank explaining what had happened. So, I called today to make my payment on my remaining balance even though I have yet to receive an updated bill and they could not help me. The representative asked for my social and said he could not find it. I was not even comfortable paying them in the first place since they lost my money the first time and then sent my account to collections despite their own error. I do not trust this company and this last interaction is only confirming what I already know - that they are incapable of treating customer fairly and doing their job. I am absolutely flabbergasted that this company can continue to take advantage of consumers with their disorganization and wrongdoing. Because of this XXXX account, my credit has continued to worsen as they took their time " finding '' my account. And now I am having to again XXXX them around to pay them, which again may harm my credit. This has to stop. I am sure that this company has had numerous complaints and it is not okay that I have to now spend many more hours of my life trying to pay something that should take 30 seconds. I want my debt gone from this company and to never have to deal with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I tried, in many different ways, to contact the credit reporting company and dispute the issue but was unsuccessful. They told me that the account in question was now in the hands of a collection agency so they could not talk to me. Apparently someone opened this GAP credit card account in my name, with an address at which never lived, an my personal information, and went on a shopping spree. I never knew about it ( because I never received any statements ) until I got the calls from the collection agency. They were so disruptive that I ended up paying the debt to the collection agency ( see attached ), as they would call at any time, forcing me to turn off the phone during classes, etc. 
Bottom line, I have never lived at this address:1625 XXXX XXXX XXXX , XXXX , VA , XXXXand I never opened a GAP/SYNCB credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
applied for CareCredit for my dog 's XXXX and the XXXX charge XXXX/XXXX/16 and I guess I was on a " deferred credit '' plan that I understood as they would charge interest back to the beginning but calculate it base off the monthly balance deferred not the whole balance even amounts they were not carrying. My deferred credit deadline was XXXX/XXXX/16 and my balance was less that XXXX and I was charged {$380.00} interest and was told that was calculated carrying the full balance even though they did n't the full 6 months. 
I understand calculating deferred interest based on what the balance would have been but on a balance they did not carry seems wrong. I would like to understand how these charges can be lawfully calculated and find out if I was overcharged. I would like my account reviewed to verify my charges are " legally calculated ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Delinquent account

Complaint:
Wal-Mart / Synchrony Bank is reporting a XXXX balance chargeoff on my credit report when, in essence, the account was never paid late. Moreover, they have put the account {$280.00} over my initial credit limit of {$400.00} which is lunacy. Finally, the company STILL has not made me whole after CFPB found Synchrony Bank ( the owner of my account ) /GECRB to have illegally offered credit card protection products. 

It should be noted that I currently have a TCPA complaint filed against XXXX XXXX XXXX, the current collection agency assigned to this account. This is still in litigation.

Company response to consumer: Closed with explanation