BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Several years of excessive overdraft fees resulting in thousands of dollars. I feel like they were charging me too many overdraft fees.

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 2021-08-31
Company: Select Financial Services, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loss mitigation/loan modification. I made 6 consecutive payments which was what I was instructed by a representative was what was needed before my past due balance could be moved to the end of my loan. I was attempting to make another payment when I got the voice protemed message i needed to pay all of my past due balance. Finally when I could get a call back and speak to someone on XX/XX/XXXX at XXXX I was told it was cause I was terminated from the program due to a tax lien. I instructed the representative that I faxed the satisfaction of judgement on XX/XX/XXXX XXXX at XXXX and had a succuessful fax transmattel letter to send him to as proof. the representative asked me to hold. Upon his return he told me he found the fax but it was to late and I would have to reapply again. Now I have tried reappling I have spent the whole month of XXXX trying to ensure the morgatage company has the correct documents I have faxes and emails to them plus phone calls where I sit on hold for over XXXX hours waiting to get to talk with a representative. Finaally last monday XX/XX/XXXX a represative called me back at XXXX XXXX we discussed the documents and she couldn't answer my questions and stated that department was closed for the evening however she could schedule a call back for Tuesday XX/XX/XXXX at XXXX, no one called, I have been calling every day since with no luck. I am currently on hold again now for the third time today, XX/XX/XXXX. All I wanted to do was make a payment on my house, I repeated to several representtatives I couldn't make the whole past due but I was making a monthly payment as we had agreed previsouly. I begged them to please to my monthly payments cause I WAS only getting further and further behind and this was only causing me a further hardship. 

( In the attachments I am including an email where you can see I was contacting them back in XXXX asking why my payments hadn't gotten any lower. my last payment the system let me make was XX/XX/XXXX. )

Company response to consumer: Untimely response
Consumer complaint received 2021-11-09
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:
Apparently someone fraudulently applied for an XXXX student loan through XXXX for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for Experian I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit 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 non-monetary relief
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: AK
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 been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXXXXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX  REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
NFCU has NOT responded to complaint submitted a month ago and did NOT resolve complaint when I went to branch in person. Manager XXXX called and left me a voicemail asking me to call her back but she failed to provide a DIRECT phone number. XXXX????? COMPLETELY UNACCEPTABLE CUSTOMER SERVICE!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: BARCLAYS BANK DELAWARE
State: MI
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:
Applied and was approved for an XXXX XXXX XXXX  credit card. The APR is based upon your credit score. My current credit score is XXXX. 

XXXX XXXX sent me the card with my credit score listed at XXXX and assigned an APR of 27.24 %. This is a total scam. 

I have cancelled the card, but I hope you investigate this terrible company

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 2022-09-13
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to file a grievance against Lending Club. Over the past three years I have take out three loans with LendingClub, of which two are satisfied and one is current with 23 payment remaining. I applied for a smaller loan several months ago. After sending Lending Club copies of my social security card, drivers license and passport, LendingClub found out that the wrong social security number was being pulled up in their system for my application after applying multiple times, Lending Club indicated that there is a a person who shares the last 4 of my social Security Number, first and last name. ( Lending Club divulged this person 's SSN to me seemingly without a care in the world. ) When I put in an application to consolidate my current loan, I asked Lending Club to notate everywhere possible that my social security number could be mistaken for the other person and they assured me it would not happen again. On their recorded line I have stated my full social security number and when they ran the last 4 digits, the wrong person kept being attached to my applications and was never fixed on the old or current loan. 

SERIES OF EVENTS -XX/XX/2020 - I was informed by Lending Club that the wrong social security number was applied to not only my current loan but past loans as well, under the other person 's Social Security Number. I was promised I would have updates via call backs and emails which never transpired. Since that promise I have had to reach out and explain my situation to get a supervisor or manager on the phone which they would admit to having no resolutions or plan of action to fix the social security problem on my current and past loans.

-Shortly after, I contacted XX/XX/XXXXwho verified that Lending Club had not done any soft or hard inquiries on my credit report for past or present loans.

-XX/XX/2020 - I was connected with the Fraud Department of Lending Club who advised me that there was nothing they could do on their power to solve this issue.

-XX/XX/2020 - I was connected with XX/XX/XXXX( Supervisor ) who escalated to Manager, XXXX XXXX Last conversation with XXXX was where I made it clear if there was no plan of action soon that I would be filing a complaint with CFPB. 

-I have called LendingClub seven times since XX/XX/2020 to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Rocket Mortgage, LLC
State: PA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed this account in XX/XX/2023 with a balance of {$600.00}. I made a {$200.00} payment at least three times. But the balance keeps going up. I learned last week that the account was not closed and that two different phone numbers had been added to the account. Discover also claims that they did not receive the {$200.00} payment that I made over the phone with them in XXXX. I filed a fraud claim 9 days ago and I was assured that the account was closed. 

I received a letter from Discover today via XXXX mail thanking me for reopening my account. The account is supposed to be under investigation for fraud. Not only did Discover reopen the account they increased the APR to 27.99 %

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX have never had an account with this company CREDIT COLLECTION SVCS  XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXXI am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are CREDIT COLLECTION SVCS the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX.As mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - CARD SERVICE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: NY
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:
the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) in accordance with the written instructions of the consumer to whom it relates 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( 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 reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information XXXX my credit report XXXX also sending you the letters i sent to the reporting agencies. 
15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction

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 2021-03-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I checked one of my savings accounts to realize that there was an electronic transfer made to XXXX XXXX on XX/XX/2021. I filed a complaint to my bank ( Wells Fargo ) that same day stating to them very clearly that I did not authorize that transfer. They gave me a case number : XXXX. In that timeframe between me making a claim and them investigating, I received a letter from XXXX XXXX that the account that they had of 'me ' was closed. They let me know that the investigation would take at least 10 days. On XX/XX/2021 I called Wells Fargo to get an update and they stated that they were still under investigation. The next day, I received a letter from Wells Fargo indicating that the claim and the entire case were denied. They decided that I authorized that transaction myself. On XX/XX/2021 I visited a Wells Fargo branch in XXXX XXXX FL to what they told me was that they could not do anything and redirect me to XXXX XXXX to " hopefully receive my funds that were rightfully mine ''. I then showed up at XXXX XXXX that same day with my proper identification with the letter of 'my account closing ' and talked to a customer service associate. He told me since my account with them closed that my funds were transferred back to my account with Wells Fargo. I showed him the evidence that I had not received any transfer by showing my bank statements on my phone. He then concluded that he would contact the I.T Fraud Team to resolve and return my funds. As of today, I still don't have my funds returned. I have contacted Wells Fargo for the third time now to raise my claim as well as ask them for the IP Address and the device I supposedly transferred the funds on. They replied that they would contact me back in 48 hours which has not happened yet.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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