BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
i have applied for a mortgage loan with wells Fargo and locked the interest at 3.125 for 90 days, we had some delay in the loan with the seller due to contingency of her buying a new home, but we still in escrow and we going to close next week, and we still in the fame time that we locked the interest when the loan was canceled ( XXXX than 45 days ), paid for apprasial fee, had to reschedule the apprasail for 2 times and then the appraiser cancel the order, and the loan got approved as i sent all he needed paper to them .last i discussed with the agent 2 weeks before canceling the loan was their request to remove my wife from the title as her name is not in the loan, and he said that he is going to check with his assistant as he did n't know anything about the request and i asked him to order a new appraisal .i never mention anything about canceling the loan. agent was supposed to call me back to see about my wife and to reorder the appraisal. agent decided to cancel the loan without my permission loan was canceled on XXXX XXXX, even until this minute after 90 days i did n't get anything in the mail saying loan was canceled, i complained and they said they are going to have the higher management look into it .it took them 3 weeks and then they asked for more time, then they said they are not going to change it and the interest will be what it is now which is higher at time 3.785. call them again and they said to give them 3 more weeks and i got a call yesterday needing more time .i do think they want to go somewhere else and either loose the house or get loan from a different bank .they are trying to waste my time, so i decide to contact you to protect my right, and to stop other people from having the same bad treatment .i thought i do have a contract and they did n't respect our contact, i am ready to send a copy of the loan estimate upon request and ready to prove that no communication had happened between me and the loan agent since the day i asked to get an appraisal and question about my wife and the day they cancel the loan as the agent said i called him and i said that the deal is not going forward which is a big lie and i can prove that .until this minute still waiting for their non sense and time wasting decision.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-07-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The parish government refunded me for grass liens that was mistakenly charge to my 2020 tax bill. The tax bill was paid by my mortgage provider Navy Federal Credit Union from my escrow account. The check was issued by Navy Federal Union Credit Attorney XXXX XXXX XXXX. Since the grass liens payment was paid by XXXX XXXX XXXX the refund check was issued to XXXX XXXX XXXX. The local government gave the check to me, then I mailed the check to XXXX XXXX XXXX XXXX Navy Federal Credit Union 's instructions. Navy Federal Credit Union said XXXX XXXX XXXX would send the funds back to Navy Federal Credit Union. Then the funds would be credited to my escrow account. Well, the payment has yet to by credited to my escrow account, and when it does get credited the funds will be excess the legal amount to be held in my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: CITIBANK, N.A.
State: WY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Citibank N.A. sold my credit card debt of {$1800.00} to a third party, XXXX XXXX XXXX ( XXXX ) and charged off my account on XX/XX/XXXX. On XX/XX/XXXX, I entered into a settlement agreement with XXXX for {$830.00}, I paid off the agreement and XXXX removed their entry from my credit report. I have since disputed Citibank 's entry with the credit bureaus multiple times and Citibank keeps providing false information to the bureaus that my debt still has an outstanding balance of {$1800.00}. I have tried to call to Citibank, most recently XX/XX/XXXX, and their phone system will not allow me to talk to anyone because the account has been sold. I have written Citibank a letter through the US mail on XX/XX/XXXX and they have not responded.

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: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX last week, I received an email through my university email for a XXXX XXXX XXXX opportunity. It was really early so I just assumed it was legitimate. I didnt know that you could receipt emails outside of the school as for my entire schooling, outside emails have been blocked. It had not yet been flagged. I have correspondence with this scammer person where I was sent a total of {$5900.00} in checks to be sent to orphanages, {$1000.00} of which was to be sent to XXXX XXXX on Zelle, who was already a Zelle member so the transaction went through quickly. I realized that this was a scam that day and filed a claim with my bank at XXXX XXXX and they have since closed the case and decided it against my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My dad sent me {$1800.00} XXXX XX/XX/XXXX to put down on an apartment. I initially tried to pull all {$1800.00} out and it wouldnt let me so I pulled out {$900.00} in increments of {$300.00} over the course of a day per the instructions of their customer support. Then I logged on yesterday to try pulling off the rest and was told I was permanently banned from the service and they would be holding my money for 180 days. In the meantime Im going to be made homeless. I called customer support today and they couldnt have cared less she would give me information on this made up fraud or why money from my dad is risky or anything else. I didnt do anything fraudulent. I need MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: NC
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 remove the incorrect addresses from my credit file.

They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Had life-humanitarian event XX/XX/2018, notified cc company XX/XX/2018. Have been ready to pay in full since XX/XX/2018 and have since closed account. The resolution is to change the way it is being reported on my credit report to accurately reflect true paid in full with no delinquencies. cc company is refusing to update reporting this account from charge-off to removal or paid satisfactory.

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 2023-12-08
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Continental Finance Company, LLC
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I lost my job on XX/XX/22 and recently filed a claim for my credit card protection to cover my monthly payments until I find a job. 

I could not get my former employer  XXXX to complete their portion of the form since there's no on-site XXXX XXXX personnel. 

I recently provided a copy of the payment history from the Utah unemployment insurance office, however, my request has not been processed or denied and this delay has impacted my credit score.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding inaccuracies on my credit report, which has recently come to my attention during the process of attempting to purchase a car.

I believe these inaccuracies are in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ). Upon reviewing my credit report, I discovered several pieces of information that are incorrect and do not accurately reflect my credit history. These inaccuracies have adversely affected my creditworthiness and, consequently, my ability to secure favorable financing terms for the car purchase. 

I have attached a copy of my credit report highlighting the discrepancies for your reference. I would like to draw your attention to 15 U.S.C 1681, which mandates the accurate reporting of consumer credit information. I believe that the discrepancies on my credit report are in violation of this law, and I kindly request your assistance in investigating and rectifying this matter. Please see below whats reporting on Experian, XXXX, And XXXX 

XXXX {$780.00} XXXX XXXX XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2300.00} Enclosed with this letter, please find copies of the following documents for your review and investigation : 1. A copy of my credit report. Identity theft affidavit, and police report.

2. Any supporting documentation that verifies the correct information.

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter, ensuring that the credit reporting agencies comply with the provisions of the Fair Credit Reporting Act. 

Your prompt attention to this matter is greatly appreciated, as it has direct and immediate implications for my financial well-being. I look forward to a swift resolution and a correction of the inaccuracies on my credit report. 

Thank you for your time and assistance.

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 2023-12-08
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been getting reported as delinquent for XXXX years and Discover continues to validate the account with contradicting documentation. 
I have attached XXXX letters by Discover, XXXX where it says the balance on the account after the closing date was {$0.00} because a security was applied, and XXXX saying that the debt was cancelled. Yet this account is still being reported as delinquent. 

I have submitted complaints about Discover multiple times throughout the years, yet nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: DOLEX DOLLAR EXPRESS, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
Twice a month {$58.00} for {$6000.00}. XX/XX/2019, ther service-worker was commited the paperswork undoing and delayed my payment for my plans schedule of summer of the end of the year.

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 2023-07-13
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX. The first incident took place at my work place, my debit card was taken without permission or consent by an employee who was making multiple unauthorized transactions without my permission, the Dates of the transactions were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, the credit was awarded to me than it was taken back. 

" I've filed police report for both incident, a complaint letter notarized by the clerks office. and Navy Federal Affidavit of forgery " XXXX. The second incident happen when I was making a {$20.00} Dollar withdraw from the atm at a XXXX, I pulled my debit card out after receiving the funds and realize my chip was scratch, assuming there was a skimming device in the atm, I crush my card together and threw it In the trash at the store, I left that day for my flight, day later when I'm returning I go back to use my account I realize there had been {$10000.00} cent missing from my account from multiple different XXXX across New York, I immediately called navy federal to cancel my debit card, after submitting a fraud claim navy federal has refused to give me my funds back and have gave me a difficult time and argued with me and the funds were for the purchase of my vehicle to go to work, I had to call my sister to purchase my flight back for me fast forward today navy has blocked access to my debit card and has not returned none of the funds and I'm still not able to purchase my car, I need this resolved immediate please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, My name is XXXX XXXX XXXX. I had a medical bill that was overdue and went to a collection agency by the name of transworld systems. The total amount of the debt XXXX and I was able to negotiate the debt with an agent down to half which equated to XXXX. The debt was settled on XX/XX/19 and I received the following confirmation number:XXXX. Since XXXX, Transworld systems has kept calling me on a consistent basis and every time I speak to their agents, they confirm that my debt was paid and cant expalin why I am still receiving calls. I always have to re-explain my situation to every agent that calls me eventhough this debt was paid off nearly 5 months ago. It seems like this company is disorganized and their supervisors are completely uncooperative and unprofessional. I have had Transworld employees talk back to me and one supervisor even hung up on me. Today I was told by another supervisor by the name of XXXX that my debt is now back at the original amount which I dont understand because I already settled this debt back in XXXX and have proof of payment. I am tired of being misled and harassed by this company. Please contact me should you wish to discuss. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear CFPB Repr. 
I believe Citi Bank is involved in misleading customers about paying off promo balances. Couple weeks ago I made {$3000.00} payment that should have been gone towards my upcoming high rate balance transfer that was expiring in three day and now is charging me 19.9 % instead they applied that time 0.99 % balance that is expiring next year. 
I believe this very unfair practice and wonder if it is even legal. Please let me know. 
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 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one closed my secured credit card without my permission. They then took my secured downpayment to that card and inserted that to my last payment. They also put late payments on my credit reports that were not late. I called them and told them there were fraudulent activities on this card and gave them the items that they needed to remove and update they did take some off but left a whole bunch that could of covered what I owed and my card would of still been open. I called them in XX/XX/2023 to tell them about these fraudulent transactions then I just had to call them again in XXXX XXXX to tell them that they forgot items that I listed that needed to be removed. I want my deposit back that they took from me I want my card turned back on and also I want them late payments removed. They violated 15 USC 1681 s-2 and when I told they said they was going to fix this problem and will take weeks to happen. While all of this is happening o cant go get me a new car because of these late payments on my credit report that is hindering my credit score and credit worthiness to other companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Misleading statements from Synchrony Bank for Amazon.com Store Card. 

I called Synchrony Bank customer service to find out why I had accrued an interest charge when I had paid the FULL " New Statement Balance '' ( Regular ) amount AND included the monthly amount due for my 2 promotional purchases ( one for 12 months and one for 6 months ). 

I spoke to a customer service agent who FINALLY explained CLEARLY what amount was actually due. 

In addition to paying the full " New Statement Balance '' ( Regular ) and payments for my promotional purchases in the " Account Balance Summary '' ( on page 2 ), you must ALSO pay the " Total Minimum Payment Due '' that is at the top of the statement ( page 1 ). 

This is exceptionally misleading and I believe purposely so. 

I incorrectly assumed the total min payment was INCLUDED with in the new statement balance. I am also assuming this information is somewhere in the fine print, but is not stated plainly in the statement every month as it should be.

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