BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-25
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payoff of a XXXX Streamline refinance on XXXX. 
I want CFPB to investigate which loan was actually paid and by whom. If this balance was added to my home loan or included in the XXXX modification XXXX just transferred to XXXX Wells Fargo foreclosed on my duplex. 
I believe my loan was paid in full. 
I believe there was enough escrow leftover to pay it. 
I believe they were servicing a XXXX mortgage that had already been refinanced in XXXX I believe they gave the escrow I had already paid to XXXX. 
I believe I paid them 81 months of interest on my own money on loan I did n't even owe I also believe the money I gave to XXXX was then paid to even ANOTHER sercier I KNOW I overpaid. 
I further believe that the loan modification on my house included both the beginning balance of the real loan on my duplex. 
includes the ending balance of the FAKE Wells Fargo loan. 
I believe they also had enough to pay off a 15 year loan from XXXX plus 3 years to pay escrow back I paid back the XXXX payment ( included in the balance ) to XXXX bank. 
I believe this to be true because they returned three of my payments and accepted a 3rd payment just before the insurance was due. 
I had gotten the XXXX premium reduced with a refund forwarded to Wells Fargo. Another refund went to them from XXXX as of the foreclosure. 
I do not have a truth in lending for this loan. 
It has the same handwritten number XXXX -as a first XXXX loan on my house that has been released twice. 
I BELIEVE WELLS FARGO HAD NO RIGHT TO FORECLOSE STOLE MY PROPERTY KEPT THOUSANDS OF DOLLARS OF ESCROW AND HAS TAKEN NOT ONLY my PROPERTY HAVE TAKEN THOUSANDS MORE OF my INCOME I WAS ENTITLED. 

This complaint is related to a previous one submitted XXXX and I am providing additional documentation of the returned payments.

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 2023-05-08
Company: CBC Companies, Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
My credit file is showing XXXX and Truist which are fraudulent and a result of identity theft. Im am not in the XXXX nor do I have any family members in the XXXX. As for Truist, I have never opened a Truist account. The accounts are fraudulent and are a result of identity theft. According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Back in early XX/XX/XXXXI opened a CitiBank Savings/Checking account package. It came with a {$400.00} bonus if I deposited {$15000.00} into either account within 30 days of opening. I made the {$15000.00} deposit to the Savings account on XX/XX/2019. I then maintained that balance for over 60 days which was the next requirement. These were the only requirements that were advertised. But hidden in the fine print was that it may take up to 90 days to be assessed the bonus after the 60 day requirement period. And that after 90 total days if any account has a XXXX  balance then Citibank may close that account. Closing the account then voids the bonus because both accounts need to remain open even after the original 60 days until they finally credit you that bonus.

Bottom line is that this an incredibly dishonest way to do business. They tell you that it's fine to fund only one of the accounts with the entire required deposit. But it turns out that in the fine print if one of the accounts has a XXXX  balance after 90 days they'll just close that account and void your bonus that you're waiting on. In reality I completed all the required activities but they have it setup to trick customers to hold funds with them for a few months and then refuse to pay the bonus on a hidden technicality.

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 2023-09-27
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX statement- made an online payment, interest was charged XXXX XX/XX/XXXX statement - made an online payment, interest was charged XXXX XX/XX/XXXX XXXX no interest charged XXXX statement date XX/XX/XXXX large payment was done and interest charged 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 2023-01-17
Company: Experian Information Solutions Inc.
State: TX
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:
My personal information was used without my permission to open fraudulent accounts below. I have contacted the furnisher and credit bureaus a long with law enforcement about the unauthorized activity. I am requesting this information to be deleted and blocked per FCRA section XXXX Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of education XXXX {$3400.00} open date XX/XX/XXXX XXXX department of education XXXX XXXX {$1500.00} open date XX/XX/XXXX XXXX. 
XXXX Department of education XXXX {$4800.00} open date open date XX/XX/XXXX XXXX. 
Management support XXXX {$3200.00} open date XX/XX/XXXX Fraudulent addresses XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  la XXXX XXXX. XXXX XXXX XXXX XXXX apt XXXX XXXX Tx XXXX XXXX. 
XXXX XXXX XXXX XXXX LA 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 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Approximately in XXXX XXXX, I had XXXX  while XXXX XXXXXXXX XXXX set up to go to this bank. I also deposited a check of significant amount at this location. After being XXXX in XXXX and opening a claim for XXXX compensation I completed documentation to have my monthly payments set up to be deposited into this bank. I withdrew {$4000.00} once approximately XXXX. Later, after I returned, to check the status of my funds, I was told by a bank representative that I had never had an account opened there. That same day, I was also told by a bank teller that I had an account there, but the name had been changed on it. Then I was told by the same bank representative that mentioned I never opened an account there that my wife closed my account, and it was now in her/my son 's name. This bank representative was obviously upset that I had been informed by a bank teller that I had in fact opened an account. I provided her with the XXXX XXXX XXXX XXXXXXXX showing her the bank account number and XXXX, then she finally agreed that I did have an account there, but it had been closed and reopened by my wife in someone else 's ( my son 's ) name. After attempting to further resolve this issue, I was met with hostility and almost threatened that I was attempting to access someone else 's account. I was refused any assistance to meet with another representative.

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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am writing to bring to your attention an issue regarding the withholding of my credit card rewards by Bank of America. In XXXX, BoA closed my credit card ( ending in XXXX ) citing risk concerns. It is important to note that I have always paid back the full amount on my credit card without delaying a single day for the past XXXX years. Furthermore, I maintained an investment account with BoA, holding assets worth over {$400000.00}. 

Prior to the closure of my account, I had accumulated a total of XXXX rewards points from all my previous card purchases. These rewards points are equivalent to {$1300.00} in cash value ( see screenshot for evidence ). Despite making multiple calls to BoA, requesting the redemption of my rewards, I was informed that they will not process the redemption after the account was closed. It is worth mentioning that BoA has gained notoriety for withholding customers ' credit card rewards and has recently faced a significant fine of {$100.00} XXXX, as reported in this link : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ Regrettably, it appears that BoA has not made any improvements in this area, and I find myself to be another victim of this practice. Consequently, I kindly request Bank of America to issue a check in the amount of {$1300.00} to compensate for the rewards. 

Please be aware that if necessary, I am prepared to take legal action to seek a resolution to this matter.

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 2022-12-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Applied for a United Airlines credit card through Chase Bank. Applied XXXX different times. 
Received letterS stating XXXX has an extended alert on my account and to call them. 
Called XXXX- they state there is no such alert on my account. 
I have called XXXX on XXXX separate occasions over the past month. 
I have spoken to Chase Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
XXXX now says to call Chase and have them call XXXX. 
Chase says to come into a branch office for some reason. 
I need to be sure that XXXX will not be giving out bad information. 
Feeling frustrated and caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$71.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a settlement with enhanced recovery company and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Dynamic Collectors, Incorporated
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received paperwork from the courts on the 21st of this month. It informed me that my wages were being garnished as of now. It came with no paperwork for me to argue my case there's no 20-day grace period for me to explain why they were incorrect.. so my wages will be garnished as of now close to {$700.00} a month.. and the thing about it is I wasn't aware of any debts I owed and supposedly this is from Dynamics collection agency on XXXX Washington trying to collect a debt from around XXXX I'm aware that doesn't go away. But I'm also aware of the statutes of limitations they have to file a lawsuit against me I believe in Washington state is 6 years this debt goes all the way back to 15 plus years.. I believe the reason they didn't give me any paperwork for me to respond is because they know that what they're doing is against the law. Yeah come to find out my debt I owed supposedly was around {$570.00} After they added all their fees and everything on to it they almost added {$3000.00} to that debt so I owe over {$3600.00} now.. they know exactly what they're doing they know it's against the law for them to follow a lawsuit after a certain amount of time they could have called me they never ever called me and tried to collect any debt for me at any point in the last 15 years all the sudden they wait they garnish my wages without even contacting me to let me know they're doing that. And as of now money will be taken out of my paycheck next week. 
The company is dynamic collection agency out of XXXX Washington their lawyer is XXXX XXXX XXXX body his law firm is also in XXXX Washington.

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 2023-06-01
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed out of XXXX and I felt the bank could have stopped the transaction. I dont feel they have done anything to help me recoup the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have tried getting a preapproval with capital one for a credit card. However, I am not getting preapproved and the reason says its due to a prior account I had with capital one. However, I have always paid my credit card balances in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Yamaha Motor Finance Corporation USA
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: Account information incorrect

Complaint:
On XX/XX/XXXX, Yamaha Finance Corporation reported that I was 60 days delinquent on a XXXX balance because the balance was satisfied in XX/XX/XXXX through my insurance company XXXX. My credit score dropped substantially. On XXXX XXXX rectified my credit score minus XXXX points by finding my dispute true. The account is closed. My credit score increased minus the initial XXXX points I had before Yamaha 's claim on a XXXX balance. On XX/XX/XXXX, Yamaha reported that I was now 90 days late on a XXXX balance, and again my credit score was dropped by XXXX, who just verified that I was proven innocent of no delinquency with Yamaha. Yet, XXXX still dropped my score for being 90 days late on a XXXX balance by XXXX points again for no payment now 90 days late on a XXXX balance. How does this work? Please help me with this. Cleary Yamaha is dinging my credit report for me being late on not paying a XXXX balance. How can this happen? How can I lose XXXX points for not paying on a XXXX balance?

Company response to consumer: Closed with explanation