BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for Midland Credit to provide me with a physical copy of my contract with them and the original creditor XXXX XXXX, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and Midland Credit has not submitted any evidence of the account belonging to me This is the second account that Midland credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
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 want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX INQUIRY - XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I filed a dispute of a charge by XXXX XXXX. On XX/XX/XXXX, I had purchased two XXXX XXXX shoes and a vintage coat for a total of {$490.00} using paypal credit. When I received the first pair of shoes, as all items shipped separately, they were obvious fakes, so I returned them on XX/XX/XXXX, out of pocket and return receipt requested because the company states they do not accept returns. The company continued to try to ship both shoes to me and I refused all following deliveries with XXXX from the company. I received notice from the company that the coat was no longer available, and they would refund me for this item. 

I have sent paypal a copy of the receipt from the post office. I've tried to forward the emails from the company about the coat, and confirmation that the shoes could not be delivered, but paypal does not accept .doc files. I tried copy and pasting all this info into their message center, but their message center does not work properly. I have contacted paypal numerous times about this issue. On XX/XX/XXXX, paypal closed my case, stating they had decided in the vendors favor. 

I appealed the case the same day, talked to a XXXX from the resolution center, who helped me upload the receipt for the return again. Paypal is aware that I have none of the items purchased in my possession. I've just on XX/XX/XXXX received notice from the by email that they have closed my case again, per my instructions. I have never instructed them to close the case.

Paypal has stone walled me at every point about this dispute and it is clear that contacting them again will be fruitless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26
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: Information belongs to someone else

Complaint:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-05
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from national recovery agency. The debt collector was rude. I told him that if I were to pay this debt, that I will contact the actual company. He told me this was going to be sent to my credit and I have to pay them. I then ended the call and then he floods my text messages with texts from The company as soon as the call was ended.

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 2017-08-22
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage modification and was declined in XX/XX/XXXX due to income. I later received information that my home was being foreclosed. My lawyer stopped the foreclosure. I was later given another court date. I submitted another modification request I XX/XX/XXXX before my court date. The judge did not foreclose my home but Wells Fargo refuses to help me save my home by doing a modification. The servicing company for Wells Fargo is America 's Servicing Company. My income has improved for my husband and myself that is now stable.

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 2017-08-22
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Money transfer via Western Union from my banking account at XXXX for {$650.00} was cancelled on XX/XX/XXXX. Western Union reports they released the funds. The funds have not been received - not in my banking account as of today 's date XX/XX/XXXX. Please investigate this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
13 years ago we got this mortgage through one loan company and paid XXXX a month since then this has changed hands 3 times now pay over 600. only options current mortgage holder has given us is loan modification. also believe we had a fha loan now not so sure this is true anymore. during winter months husband laid off and summer I 'm laid off. fell behind 8 years ago when husband XXXX XXXX and me 4 years ago when was XXXX XXXX. try to talk to them but all they are worried about is getting there money, I 've even went with out medicine before to make a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 put in a request to remove a inquiry, I sent the proper paperwork for removal. At the time in XXXX of 2022 my credit score decreased XXXX points when the inquiry was added. My current credit score was XXXX when I requested the inquiry to be removed. Today XX/XX/XXXX I am showing the inquiry requested has been removed today. However my credit score went down XXXX points after they removed the inquiry. It should have put my XXXX points back that was taken not decrease my score. My score is now XXXX after the removal of a inquiry. Decreasing my score XXXX points. I am requesting my XXXX points back plus the XXXX points removed in XXXX when the inquiry was made. Total of XXXX points Im requesting to be added back to my credit score immediately. This is an error

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 2018-07-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have requested multiple times to Navient for documentation proving that they own my ex-stepdaughters loan, and also proof that I co-signed for that loan. 
I have not received any of the information that I have requested. The first request was over two ( 2 ) months ago. 
The phone harrassment also continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a cease & desist/removal of contact information to the company on XX/XX/2019 due to the company contacting me at work and several of my co workers and my manager. I informed them I am not able to receive personal calls at work as this is grounds for disciplinary up to suspension or termination. On XX/XX/XXXX, XXXX from the same company contacted me on my work number. I asked for her information and stated that I would give her a call back. She refused to hang up. After repeating myself multiple times, I hung up on XXXX. She then called back and left a message stating " It seems we were disconnected ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Malcolm S. Gerald and Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Received a letter from Malcolm S. Gerald and Associates , Inc. stating that I owed a balance of {$10.00} to XXXX XXXX XXXX. My wife went to the doctor office and showed the letter. They looked into the system and found the invoice and she paid it. 
XX/XX/XXXX Received a voice message from Malcolm S. Gerald and Associates asking to call back. My wife called and told them the invoice had been paid. They asked to fax receipt of payment, which she did fax the same day. She also called XXXX XXXX Department and they sent the updated information to XXXX. 
XX/XX/XXXX My wife called Malcolm to check if they received the fax. They did but refuse to close the account because they have not received any payment from XXXX and that payment made was applied to a different invoice. She then called Advocate to ask why they haven't sent any payment to Malcolm and they said they don't have to pay anything to Malcolm and that I do not owed anything to them since I paid the balance of the only outstanding invoice I had with them. I do not know what else to do. This issue is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: FC HoldCo LLC
State: PR
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 XX/XX/2022. THREE ( XXXX ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( XXXX ) XXXX XXXX ( XXXX  ), ( XXXX ) XXXX XXXX XXXX, ( XXXX ) FLAGSHIP CREDIT. I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.

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 2018-09-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I AM APPLYING FOR HARDSHIP ASSISTANCE WITH MY LENDER FREEDOM MORTGAGE. THEY ARE REQUESTING FOR MY XXXX TAXES, I HAVE LOST MY 1040 'S AND HAD TO CONTACT THE IRS TO REQUEST FOR A COPY WHICH THEY PROVIDED MY TRANSCRIPTS FOR XXXX AND XXXX. I HAVE SENT THEM TO MY LENDER AND THEY ARE STILL REQUESTING FOR MY TAXES, I HAVE CONFIRMED THAT THEY HAVE ALREADY RECEIVED THE TRANSCRIPTS VIA EMAIL AND THE REPRESENTATIVE THAT I WAS SPEAKING TO TODAY STATED THAT HE DOESNT KNOW WHAT TRANSCRIPTS ARE!! THIS IS INSANE! HOW DO YOU LIVE IN UNITED STATES AND NOT KNOW WHAT IRS TRANSCRIPTS ARE, HOW CAN FREEDOM MORTGAGE HAVE AN UNDERWRITER ON STAFF THAT DOES NOT KNOW WHAT TRANSCRIPTS ARE!! I LITERALLY HAD TO EXPLAIN STEP BY STEP WHAT TAXES ARE FROM 1040 'S ALL THE WAY TO TRANSCRIPTS FROM THE IRS!! 

IT IS APPARENT NOW THAT FREEDOM MORTGAGE IS DUAL-TRACKING AND I WILL NOT TOLERANT THIS IGNORANCE. IT IS NOT MY RESPONSIBILITY TO TRAIN FREEDOM MORTGAGE UNDERWRITERS AND EMPLOYEES TO RECEIVE HARDSHIP ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed an insurance claim for a roof repair. When the checks came in my ex-spouse, the mortgage company, and I all properly endorsed the checks and I gave them to the contractor for the repair. ( I did not know at the time that I should have deposited the checks myself and when they cleared paid the contractor. ) The contractor deposited the checks ( totaling {$11000.00} ) into his Chase Bank business account on XX/XX/2022. The checks were accepted for deposit into his account and despite the checks being drawn on another Chase Bank account he was told that there would be a 7 day hold on the funds. At the end of the 7 days it looked as if the funds had deposited into his account and he completed the roof repair. On XX/XX/2022, Chase Bank removed the funds from his account claiming fraud ( and closed the contractor 's account ). The bank wanted all of us to go into the local branch to prove our identities. My ex-spouse does not live in the same area anymore and we were trying to find out if he could go to a branch local to him when the Chase Bank representative informed the contractor that the checks were being shredded and I would need to request they be reissued. I contacted the adjuster working my claim to request the re-issuance of the checks only to be told that Chase Bank cleared those checks from the insurance company 's account on XX/XX/2022 and the funds could not be reissued. When I received the recoverable deprecation checks for this claim I went to Chase Bank with my ex-spouse to cash the checks. Chase Bank refused to cash the checks even though they were drawn on a Chase Bank account. I had to open an account and then my ex-spouse and I had to go through an " identity verification process '' to enable the funds to be released after a 4 day hold. I asked about the other funds that were in Chase Bank limbo so I could pay my contractor, I was told that now that my ex-spouse and I had come in the contractor should be able to get the funds. No, he has not been able to get the funds, the bank refuses to deposit the funds in my account so I can pay the contractor, and now I am facing a mechanics lien from the contractor and since I have sold the house a possible lawsuit from the new owner. All because Chase Bank claimed that the checks were fraudulent after the funds had already cleared the insurance company 's account. If this were an individual stealing in excess of {$11000.00} it would be a felony. Please advise as to the recourse for an individual when a bank steals in excess of {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
To whom it may concern, I am very upset at the treatment and information I 've been given in the last few days. Around XX/XX/XXXX I had someone contact me regarding a late payment. I agreed to pay the late payment at their request. I currently have two accounts with your company due on the same day. I called on XX/XX/XXXX to determine which account the payment would take care of. An agent explained there was no communication with me, there was NO PAYMENT SCHEDULED TO COME OUT. I called again, the next agent told me the same thing. I made a XXXX payment online since there was NO RECORD OF ANOTHER PAYMENT. Two days later my account was charged a second XXXX. This is extremely upsetting and sounds illegal. I spoke with a supervisor who said she could refund me within 3 weeks! This is unacceptable. She suggested I stop the payment with my bank and they should n't charge me. This was again, inaccurate information. XXXX charges a 30 stop payment fee. I chose to dispute the charges. I called your company AGAIN to ensure they would n't try to push the payment threw again. I was ensured by an agant it wouldnt. This was another LIE. My account was charged another XXXX dollar payment as well as overdraft fees and I am livid. I called back very upset. I spoke with supervisor XXXX, she was very unempathetic and repeatedly said I authorized both payments. I am at a loss of words for the lack of accurate information, customer service, and empathy I 've experienced in the last week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my account with Discover Bank a few months ago and deposited {$12000.00} into my account. 
On XX/XX/XXXX they suddenly closed my account for no reason, and Im unable to access my fund since then. When I contacted them they said they would send my remaining fund through check within 2 weeks, but after 7 weeks I still didnt receive anything. 
I tried to contact their security department by XXXX but they were on hold forever, I was on the line for several hours listening to hold music multiple times but nobody ever picked it up. When I call their other departments they always redirect me back to the security department so I have no other way to check the status of my fund now. 
This is very very frustrating!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our home. Paid off the loan. The bank continued to withdraw funds in the amount of the monthly payment AFTER the loan was paid in full. We caught the error when the withdraw was merely pending and notified the bank of the error. The bank refused to stop the withdraw. We asked them to return the charges. The bank refused and said they would send a check. It has been several weeks and the bank has been unresponsive to emails and phone calls have been unhelpful. It seems they intend to keep our extra payment. I don't understand how they can do this. The bank is Third Federal in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I  currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to south west requesting validation in XX/XX/XXXX. They did not provide proper documentaion. In their response they stated they did not have to provide a contract. Per fcra anything other than a dated signed contract does not validate a debt. I responded with another request for validation and they did not respond back with requested items or to delete account from all reporting credit reporting agencies and to cease all debt collection tactics until this matter is handled

Company response to consumer: Closed with explanation