BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have reason to believe my previous mortgage lender, NewRez LLC/Shellpoint, failed to file a release of lien after I refinanced with a new company on XX/XX/2020, and now, because of their negligence and disorganization, the impending sale of my home is jeopardized. 

When I called NewRez on XX/XX/2020 to inquire about the missing documentation, I was told by one employee that the lien release paperwork was initiated on XX/XX/XXXX, but he could not provide me with evidence to support this claim, nor any updates on why it was still pending. He suggested it must be an error on the county end, and I asked for a copy of whatever they sent to the county, but he could not provide me with anything. 

On XX/XX/XXXX, we checked with the county, and there had been no communication from NewRez regarding my property. During a call on that same day, a different employee found and forwarded to me a strange document they claimed was proof they initiated the loan, but many of the dates were random and incorrect ( it was signed in XXXX, but I didn't start the refinance process until the following fall ). Then, on XX/XX/XXXX, I was told by a yet another employee that the process was ACTUALLY started on XXXX XXXX -- which, suspiciously, is the same day I first called the company to ask why the lien hadn't been released. 

When I asked for someone to draft up a new copy so that the title company handling the sale of my home could file it with the county themselves, I was told that no one in NewRez customer service has the ability to create documents, but that I had to go through the lien release department -- who, conveniently, have no phone numbers and take days to respond to emails. I finally received a response from the lien release department today XXXX XXXX XXXX ) and was told that they ALSO can not draft up this documentation, as they are waiting on an unnamed " external vendor. '' I was then given a payoff letter that does not include the reception number associated with my deed and is, thus, useless in the eyes of the title company. The letter also refers to an attachment which is mysteriously missing, and also has my name misspelled. When I asked for this to be corrected -- radio silence. 

I have spoken to at least three different supervisors, but when I call back on the main line ( the only contact option ) and ask for them by first and last name and extension number, no one is able to connect me with them. There appears to be no accountability for following up with customers, even when promised.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act the following accounts : XXXXXXXX XXXX XXXX, has violated my rights. They have not provided me with the original contract from XXXX that shows proof I have an account or contract for this debt. This account is a charge off asking for paid debt to be repaid. I did not validate this account to be on my credit report. 
15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The fact that Wells Fargo closed 6 open complaints all on one day. Leads me to believe if I had the scanned information that was able to be seen, they would not have been able to close 6 complaints all on the same day and the same time. Previously being told the complaints had been sent to the department that disbursements come from. We went from being told by XXXX XXXX They are being decided upon to their immediate closure. It was only when I began looking at the scanned documents did I realize they were unable to be seen. How is it they are all closed yet we are still receiving notifications from Wells Fargo needing more time? Im filing more complaints with the documents scanned are now able to be seen.

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 2022-10-13
Company: CITIBANK, N.A.
State: NY
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:
I have a credit card with Citibank Citi Cash Card. 
Citi bank made a mistake on their billing. 
They charged me twice for the same debt. 
I called them and they insisted there were no errors. 
This has been going on for 4 months, they did not send me any information about my dispute.These people still owe me {$1800.00}. 
I have not received any information with details of my real debits, the last statement dated XXXX XXXX a balance of {$2000.00}, according to my bank statement {$1800.00} was entered twice.

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 2023-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my computer prompted me to change my password, once I attempted, I received a loud blinking message that my computer was hacked and gave me XXXX number for XXXX. I dialed the number and a " technical support representative '' told me showed me on my screen that an international XXXX crime organization hacked into my computer and phone, and that I was in a grave danger and can't use my phone. He said he would contacted me with on his secure XXXX number XXXX XXXX. He contacted me with XXXX " XXXX representative '' XXXX XXXX, who gave me his XXXX ID # and personnel WF phone number. XXXX told me that the crime organization electronically transferred {$40.00} XXXX dollars out of my account. He told me that the transaction already went through, but if we put a duplicate transaction by XXXX, the bank would see there is fraud activity and stop the funds going through. He told me not to talk to anybody, since it might be an inside job, go to the bank and pull XXXX had to go to 3 separate banks to pull out XXXX in cash. Then he told me that the new most secure deposit procedure with banks is through XXXX ATM machine. I deposited {$39000.00} because XXXX machine for some reason wouldn't take {$450.00}. At that point I realize this was a fraud, but the line was disconnected.

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 2021-06-28
Company: WELLS FARGO & COMPANY
State: CT
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:
In mid XXXX an unknown individual used my credit card to make purchases. Wells Fargo flagged my account for unusual activity and sent me a text. I called them immediately and reviewed with them which transactions were fraudulent. When I received my XXXX statement, I paid in full for all legitimate transactions totalling {$910.00} ; the fraudulent charges totalled {$840.00} for which I did not submit payement. When I received my XXXX statement, additional fraudulent transactions appeared totalling {$910.00}, for a grand total of fraud charges {$1700.00}. There were several written communication from Wells Fargo advising me they were researching the fraud. As advised in their communications, I called their Credit Card Fraud Claims department approximately 12 times to review the fraudulent charges and the legitimate charges. My account of the legitimate charges never deviated. I paid for those charges in full on XX/XX/2020 with my check # XXXX. I repeatedly acknowledged and claimed full responsibility for the 11 legitimate transactions on my XX/XX/2020 statement for which I paid in full. Wells Fargo, for reasons unknown, reported to the merchants that my account and me personally as having perpetrated a fraud. As a result, I am unable to shop online at those stores. I want to be able to shop at these stores once again. I did nothing wrong and paid for all of my legitimate transactions. Please help me.

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 2021-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
this company is ignoring my letters I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I called Shellpoint Servicing to inquire about NOT being able to pay extra principal or escrow monies to my account. I was told that there were fees that needed to be paid in full before I would be permitted to pay any extra monies to the pricipal or escrow. I was told that I had an bankruptcy on my account. 

I applied for a bankruptcy in XXXX, when XXXX XXXX, held my mortgage 17 years ago which was discharged!! XXXX XXXX transfered my account after my bankruptcy was discharged to XXXX. XXXX. In XXXX of XXXX, my account was transferred to Shellpoint! NEVER had any problems with XXXX XXXX or XXXX with paying extra monies with my mortgage payment or MY PAST BANKRUPTCY BEING BROUGHT UP FROM 17 YEARS AGO!! 

I have been applying for apartments because I'm XXXX  years of age and can no longer maintain my home by myself. Trying to downsize my life. I believe Shellpoint has made a statement to these apartment mangers regarding my past bankruptcy. As they did to me when I called on XX/XX/XXXX. BANKRUPTCY WAS 17 YEARS AGO ; IT'S REMOVED/DELETED OFF MY CREDIT REPORT AFTER 10 YEARS. WHY I'M I STILL BEING CONSIDERED A RISK WHEN MY CREDIT SCORE IS IN THE XXXX RANGE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: JPMORGAN CHASE & CO.
State: LA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I made a payment to cover my XX/XX/XXXX payment. I made it through Chases automated system as I have done since XXXX of XXXX. I used the same account information and the automated system said do you want to use the same account ending in XXXX. I said yes, got my confirmation number and thought everything was fine. I went to pay my XX/XX/XXXX payment through the automated system and it asked me for my full checking info. I thought it odd and spoke with a representative before going further and they told me my payment I made on XX/XX/XXXX never went through. I had no knowledge or notification prior to this. The representative stated from Chase apologized profusely and said it was Chases error and would NOT be reported to the credit bureaus. I paid both XXXX and XXXX at that time. Now, through a credit alert I have, Ive found out they did in fact report me delinquent to the bureaus. I called today to speak with someone and spoke with XXXX and then a supervisor XXXX. XXXX tells me that the bank account information I have been using in their automated system for over a year and have been confirming ONLY the last 4 on their system has magically changed and it somehow had XXXX listed in the beginning of the account #. That because of this it was not THEIR error and could not remove. If I had entered the entire account #, I could see this but nothing changed and I confirmed the last 4 that they maintained on file for my checking account. So NOTHING changed. I feel this was reported inaccurately and has caused me harm as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, Wells Fargo rejected a check that I had written to the City of XXXX XXXX for a parking permit. The check was drawn from my checking account at XXXX XXXX XXXX. I verified with XXXX XXXX XXXX  that they had no record of Wells Fargo attempting to deposit the check and further communication shows an entry error on the part of Wells Fargo. I have attached the correspondence. My account had sufficient funds. As a result of the rejected check, I was required to pay a {$35.00} returned check fee to the City of XXXX XXXX. The city also required a money order to replace the original check.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my second attempt to resolve this issue. XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I called Transunion. Firstly i had to look up 3 numbers to get a person. Secondly it was called XXXX. It seems to me that Transunion & all the credit companies should have customer service call centers or representatives in the USA -especially after a pandemic when everyone is complaining about job placement. 
I tried 4 times and every time we are breaking up the phone is breaking up and they hung up on me. This was from both a cell and a landline. 
I thought I was getting a {$1.00} one time charge and for 16 months they charged my account over {$21.00}. I didnt receive online even one monitoring report ( which wasnt requested. ) They didnt do the basic thing they were charging for they wont refund

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 2022-07-14
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these addresses according to the Per FCRA 605B ( 15 U.S.C. 1681c-2. It is not authorized to fail to validate these reporting addresses as unverified information without providing any proof within the period allowed by law. The following addresses need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX 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 2023-01-26
Company: EQUIFAX, INC.
State: GA
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:
I received a notice on my XXXX XXXX that my account for XXXX was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. 

He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. Equifax stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of XXXX XXXX XXXX was told the way to get it corrected was by disputing the late payment and I did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXX  Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-26
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had been using PayPal.com for XXXX XXXX XXXX for several years. After some problems in XX/XX/XXXX, I stopped using PayPal.com and began using XXXX. I had forgotten to close my PayPal account. In the last week, I have been receiving several calls from PayPal/Potential Scam and they never left a message. Yesterday, XX/XX/XXXX, I received a text message that reads : PayPal : Action needed on your account. Please go to XXXX XXXX XXXX or call us at XXXX. Reply STOP to stop text messages. 

I looked at PayPal and discovered the payments I was owing were all payments that I paid with a new card, after I was scammed at my bank. I then called this number in the text and told them the fees PayPal was asking for were already paid. The person I was talking to kept asking for the last 4 digits of my Social Security card. I finally hung up the call. 

I have received confimation that these payments have all been made, but they are not showing up on my bank account. I told the bank about this and am going over later this afternoon to explain more to them. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief