BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX Regarding home at XXXX XXXX XXXX XXXX XXXX XXXX TX To whom it my Concern : I am writing this letter to explain the series of events that cause my home to be foreclosed on. I purchased my home in XXXXXXXX XXXX XXXXXXXX. I took out a 30 year fixed rate mortgage in which my payment was around {$650.00}. In the end of XXXX Wells Fargo raised my payment to {$1200.00} per month without justification. 



I had an auto draft payment on my back account for my Mortgage and Well Fargo withdrew the {$1200.00} payments until it had completely depleted the {$7500.00} I had in that account. I spent over 150 Hours on the phone over the course of several months trying to get a justification for why my payment had gone up so much. I was normally transfers back and forth between sections up to 9 times per attempt. I was eventually told it was an issue with my escrow. I then went and got copies of my tax records as well as my property insurance policy. I then sent it to Wells Fargo at least 10 times which clearly stated that my payment was unjustly raised.

I finally got a hold of a representative at Wells Fargo that told me that that my best option was not to worry about the increase in payment. I was then told that I would most likely qualified for the HARP refinancing programs and that was my best option to prevent Foreclosure. I completed all the required forms and sent them in 6 different times. I made dozens of follow up calls and was told that the process took time. During this time I looked into trying to sell the house but the resident of the home next to me had died and after they inspected the neighboring home interior the home became condemned. So it became impossible to sell my house with a large condemned sign on my neighbors home. The whole time I was making the payment that I could. After over 6 months of trying to get the situation resolved Wells Fargo told me that I still owe them an additional {$4500.00} and that they would not except anything but the full amount. I didnt possess the fund to pay them and my home was then foreclosed on in 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 2023-10-13
Company: Kriya Capital, LLC
State: WY
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:
XXXX this company attempted to collect a fraudulent debt. It was disputed and taken off my credit report XX/XX/23 another fraudulent debt collection was placed on my credit report. Disputed and removed XX/XX/23 a third attempt XX/XX/23 a fourth attempt and now it csnt be disputed and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had fell behind on my Citibank credit cards, I was able to bring one account back current, so I started working on the second card. I went on the mobile app to make a payment on XX/XX/XXXX, I noticed that my account had been closed without my knowledge, I had not received letter nor and email about my account being closed. So, I contacted Citibank immediately, the agent that answered the phone was not willing to listen to my complaint, he kept asking me, had I received a email about my account being closed, I informed him that the only email that I'd received was that I could call to get my payments lowered down to XXXX a month, nothing about my account being closed. He informed me that my first card was closed on XX/XX/2023, and that my second card was closed on XXXX XXXX, I asked why first card was closed when I was back in good standings, he had no answer for me. I asked to be transferred to a manager, he kept me on hold for over two hours then he hung up on me. Since my accounts have been closed Citibank has continuously been reporting me delinquent to all three bureaus, I still have not received any letters mentioning the reasoning behind closing my accounts. As of today, the card number ending in XXXX which was caught up with the balance XXXX with a credit limit of XXXX as XX/XX/2023, today 's balance on this card is XXXX. My second account ending in XXXX balances as of XX/XX/2023, was XXXX. As of today, my balance shows XXXX. I have attempted to call to resolve this matter with not success, I have disputed this with the credit bureaus. This has affected me significantly. Please help me. thank 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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have filed disputes with XXXX trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.

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 2021-06-02
Company: EQUIFAX, INC.
State: OK
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:
Back in XXXX, I called equifax to have them look at my file and fix it, also called XXXX, and XXXX All 3 agencies will call the creditors and when the creditor says it is a legitimate debt. I know that most of the collections in my file is medical and they have allowed collectors to put date that they place it for collections, rather than the date of service. This is not fair practice as states have statue of limitations on all debts. Oklahoma is 3 years non contract and 5 for contracts and most of mine are out of statue of limitations. To be collected or sued on. I have brought this up several times and well the debt collection agencies seem to be able to do what ever they want to damage your well being even if you know the laws of your state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX started as Servicer as of XXXX didn't start receiving payments until XXXX, and then added a Assignment of Mortgage to our Record of Deeds XXXX under the understanding in order to continue to collect XXXX XXXX XXXX  Payment they had to ( Per XXXX XXXX representative ) XXXX there is no Mortgage, and then there is the Loan Modification showing Noteholder and Investor is XXXX, XXXX has also acknowledge Assignment of Mortgage was done in error and they can't release the Lien, after over XXXX years of XXXX advising there is no Lien, but because they sold the Servicing Rights they can not correct the Assignment of Mortgage or Lien Release because they sold the Servicing XXXX now the new Servicer Select Portfolio refuses to acknowledge letter from XXXX and the letter from XXXX advising no Lien and that XXXX is Noteholder Not XXXX. 
XXXX who was our previous Servicer has also acknowledged that even though this is a Residential Mortgage Back Securitized Loan with a pool number of ( XXXX ) they never paid anything under our pool number into the Mortgage Pool or directly to our Noteholder and Investor XXXX, also per XXXX they never received any Payments from XXXX or SPS. 
Assignment of Mortgage shows Mortgage holder is XXXX, XXXX, as XXXX, In Trust For Registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXX, which is just another name for XXXX XXXX XXXX Bank , also according to SPS doing our Foreclosure procedures acknowledged that XXXX has been our Noteholder and Investor Since XXXX, again stressing that XXXX has acknowledge that they are not the Noteholder and Investor and they made an Error when they added the Assignment of Mortgage and per XXXXXXXX XXXX they also advised they sent the documents to SPS in XX/XX/XXXX to have Lien removed and to correct the Assignment of Mortgage, we also sent the same documents XXXX, to SPS, still no Correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account opened XX/XX/XXXX with XXXX XXXX for a residential address in XXXX, TX. I do not nor have I ever lived it Texas. I am a born and raised New Jersey resident. I was made aware of this account by receiving a collections notice from Online Information Services for {$800.00}. The notice I received was sent to my actual address where I moved in to on XX/XX/XXXX. They require me to submit this and a police report before they even attempt to take action and removing this from my name and declaring it as fraud. I have already disputed this account with XXXX. I will next have to go and file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX  I contacted CHASE bank to report problems with my checking account. I was unable to make deposits, withdraws, transfers and my debit card was declined. My account had a balance of about {$3800.00} but they froze it without warning. 
They informed me that there was an issue with a XXXX XXXX I had deposited ( {$370.00} ) into my account. It was difficult to read. They instructed me to take the money order to my local branch and have the problem rectified. 

I brought the money order into the local branch. The representative reviewed the money order and then called someone to have the issue fixed. 

That representative informed me that they were closing the account immediately and even though I had a balance of {$3800.00}, they refused let me withdraw the funds. They told me that they would issue a cashier 's check withing a few weeks. 

They gave absolutely no warning or notice of the closing and refused to provide me with a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX account # XXXX continues to report negative and inaccurate entries on my credit profile. I have disputed this account across all three Major Credit Bureaus. XXXX removed it but it still reports on Experian and XXXX. I never authorized nor consented to the opening of this account, and as a result I have specifically requested each Bureau provide me with the ORIGINAL SIGNED DOCUMENT, the one at the time of signing the day the account was opened. No Bureau has provided me with this information yet, which leads me to believe they don't have it and therefor this account needs to be deleted expeditiously from all parties reporting.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: KS
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:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX  XXXX KS XXXX INQUIRIES : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-05-09
Company: Chime Financial Inc
State: RI
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 XXXX XXXX XXXX  I used my Chime Credit Builder Visa card to make a {$190.00} purchase. This amount was authorized on that date on XXXX. 
On XX/XX/XXXX I picked up that order, but the final cost was {$69.00}. So when XXXX settled the transaction on XX/XX/2023 {$120.00} was released from the originating transaction by XXXX. 
Chime then placed that authorization release of {$120.00} as an Authorization hold on their own, with no new transaction issued by XXXX. 
Since then, Chime has refused to release this unauthorized authorization hold for an additional 7 days, I believe, illegally, since I never authorized an additional transaction in the amount of {$120.00}. I have email documentation from XXXX 's billing department, as well as a screenshotted chat with Chime Customer Service essentially admitting that the authorization hold was illegal as XXXX " cancelled '' the originating transaction prior to it settling, and that an authorization release " is an authorization hold ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report in  XXXX  and have been requesting verification of items on my credit report. I went through the credit bureaus to request verification for these this item on my credit report - i received NO RESPONSE from this creditor, but received their contact information from the credit bureaus. After sending the letter attached to the creditor themselves, the response that they sent me in no way verifies that this item is mine. We have always had health insurance, and i never received a bill for this item prior to requesting information after it was reported negatively on my credit report. I do n't recall ever ever being to this facility. The timing of this also does n't make sense - it has me at the same place wit hin two weeks of another. I think i would remember being to a hospital almost 2 weeks i n a row. I think that someone made a mistake and this is not mine. I also do n't see how sending a bill verifies. Is it not possible that this belongs to someone else?

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear cfpb, I have an HSBC joint checking account with my son which has been incorrectly charged {$50.00} of fees on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Each month I rang up and raised the issue with the bank and each time they refunded the incorrect fee and assured me they had fixed the error in their system causing the problem. 

I raised a complaint each time and I was told that the problem had been resolved. Clearly this is not the case. 

I am writing to cfpb after 4 months of trying to get this issue resolved, as I hope that HSBC might take a complaint more seriously if it comes from cfpb, as they clearly are not taking their own customers complaints seriously at all. 

I am hoping a simple nudge from cfpb might get HSBC to fix the error in their system. 

All they need to do is correctly tag all my accounts as a premier accounts, which they are and this would resolve the issue. 

best wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: KEYCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached denial from KEY Bank and response from their bank office. I have been reading the law lately and According to 15 U.S.Code 1692d1692d Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. 

Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and KEY CORP does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. KEY CORP has oppressed my right to extend credit which is a violation of 15 U.S.Code1692d, see Exhibit A, and B. I will also be submitting my findings to the attorney general for further investigation. I would really like for us to come to an agreement and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been contacting Midland Credit Management and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from XXXX. For proof I've also attached a copy of the XXXX XXXX, credit monitoring report. So, since I have not received a response, the company and the XXXX XXXX XXXX have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.

Company response to consumer: Closed with explanation