BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
For 3 to 4 years ( from XXXX to XXXX or so ), I received recurring emails from an unknown anti-virus company. The strangest part of viewing the email was the last four digits of my Wells Fargo credit and the Wells Fargo logo was indicated on the Payment Due portion of the notice. I didnt think it was official and ignored it. 
However, my card was subsequently charged for hundreds of dollars. I immediately requested a cancellation through the company and was denied. I asked how was my information retrieved. I never received a straight-forward answer. However, I was told a refund was not possible sense the grace period had expired. 
I contacted Wells Fargo. This is where the run around and transfer rollercoaster began. I eventually received a new card. However, the next email had the new number ( last four digits ) and Wells Fargo logo. Of course now Im thinking Wells Fargo is behind this. 
This time I called the company early, requested cancellation verbally and replied to the email with a cancellation. 
I contacted Wells Fargo again and received almost the exact run around as the previous year. So sad so frustrating! 
I feared I would be charged again. I was! Now I knew Wells Fargo was behind this act. I finally canceled the card. I never want another Wells Fargo account.

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: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2023 by father XXXX XXXX issued a check in the amount of {$24000.00} to me via US mail. The envelope containing the check was apparently stolen out of the mail. the check was then fraudulently altered and deposited atTD Bank in XXXX XXXX, FL. We reported the fraudulently altered and deposited check to the XXXX XXXX Police Department. This was the appropriate jurisdiction, after I checked with a representative of the States Attorney 's Office. We submitted copies of the cancelled check as well as a photocopy of the original check that was sent to me. A copy of the correspondence, and cancelled checks are included with this complaint. My father, XXXX received correspondence today from XXXX XXXX XXXX XXXX  that TD Bank was not cooperating with them to process our claim. My father and I are requesting the bureau 's assistance to contact TD Bank to expedite processing our claim through XXXX XXXX  so that we can be made whole. As the depository bank for an obviously fraudulent check they're responsible and need to be held accountable as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/AMAZON & XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 15 U.S.C 1681 creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-08-10
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: Account status incorrect

Complaint:
XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( Vin # XXXX ) for {$16000.00} and was financed through XXXX XXXXl. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP  insurance that is through XXXX XXXX XXXX XXXX was contacted ( Claim # XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. XXXX XXXX keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. XXXX XXXX is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account after money was deposited they said it was fraudulent

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 2022-06-06
Company: EQUIFAX, INC.
State: FL
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 accordance with the Fair Credit Reporting Act XXXX XXXX and XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX accounts has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management calls my phone every single day from XXXX-XXXX. I blocked their number over 300 times. Then, they have called from a different number. They call all day every single day and they are disrupting business, which places a substantial burden on my ability to earn a living. I asked them to discontinue the calls on XX/XX/XXXX, at XXXX XXXX, but the calls continued. Last night on XX/XX/XXXX, they called after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela recently moved my student loan account into repayment status. However, the servicer calculated my monthly payment incorrectly when it transitioned my account to the XXXX plan. There is no math on planet XXXX that shows how Mohela arrived at a monthly payment amount of {$530.00}, due XX/XX/XXXX. 

On XX/XX/XXXX, my monthly payment was calculated to be {$410.00} under the XXXX plan. I have not recertified my income since that date. Now that the XXXX plan is effective and uses 225 % of the XXXX XXXX XXXX instead of the 150 % figure that XXXX used, the monthly payment should have decreased. That means " gone down, '' for the kind folks at Mohela doing their best to keep up. 

In addition, my spouse 's repayment increased from approximately {$180.00} to over {$500.00}. Clearly, Mohela has calculated monthly payments incorrectly under the XXXX plan XXXX has not accounted for the appropriate family size *and* has ignored the requirement to prorate monthly payments among spouses when both owe student loans and are on income-driven repayment plans. 

The Mohela logline that " some borrowers will have a higher monthly payment '' after the XXXX plan recalculation is not an adequate explanation, as demonstrated by the facts above. On XX/XX/XXXX, I used the " Contact Us '' feature at Mohela to request a correction of the repayment amount but I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I tried to deposit {$2500.00} into my Coinbase XXXX  account. I had forgotten to transfer my money from my checkings account to my savings account, so the transfer failed. Immediately after realizing, I added the money to my checkings account, and then the transfer was successful. 
The money was deposited into my Coinbase XXXX account, but then my account was completely disabled. I am currently unable to transfer money back into my bank account, which is a huge problem for me. I am also not able to buy/sell XXXX, meaning I'm being exposed to much more risk than I want. I previously had {$2500.00} in Coinbase XXXX meaning over {$5000.00} of my savings is frozen. 
I have three unresolved email threads with XXXX, but each time they stop responding. They gave me some very simple advice such as " refresh the app '', " update the app '', " logout and login '', which are not helpful. It seems that they have disabled my account on their end, and all this would take to resolve is a switch on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions 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:
Hello I Have and Account named XXXX  on my Credit Report that doesnt not belong to me, Im requesting for it to be removed. I contacted the company and whatever was order was shipped to a different location

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 2022-12-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
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:
Per informative research there has been negative credit reporting from my current mortgage lender on the following dates : 30 days late : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 60 days ) Dispute : XX/XX/XXXX, Carrington researched and advised my Forbearance plan expired on XX/XX/XXXX Although my loan was approved for a XXXX XXXX XXXX ( FHA ) XXXX XXXX Recovery Loan Modification in XXXX and my loan modification documents were drafted on XX/XX/XXXX Carrington advised in their response that they sent the modification documents to be signed however I explained never received them ; hence they were sent online through the website portal and I was not aware thats how they were sent. I was under the impression these legal documents were sent via XXXX and considering a recent change on mailbox locations I assumed they were lost in the mail. Nonetheless, they were then sent via mail and they were signed and notarized and XXXX. 

On XX/XX/XXXX I received a letter stating my loan modification documents received on XX/XX/XXXX were incomplete and a response was due by XX/XX/XXXX ( I should still be protected under applicable laws as a consumer and NOT have negative credit reporting as I was still under hardship ) I rectified the problem immediately and had the loan modification documents corrected by the notary as this was caused by the notarys error with a middle initial missing. 

In addition, the letter dated XX/XX/XXXX states that during the XXXX XXXX Forebearance period, Modification period there would be no negative credit reporting. In this case, the transition period from the forbearance period and loan modification overlapped and is not conclusive to negative reporting as a consumer and my rights have been violated as I advised Carrington of the unforeseen hardships and delay in modification documents. 

Lastly, the credit reporting on XX/XX/XXXX was also invalid as my attempt to make my mortgage payment on Sunday XX/XX/XXXX on the Carrington website was down and not accessible and I was unable to get in touch with a representative therefore I had to use the speed pay system which caused my XXXX payment to not post until the next business day XX/XX/XXXX I am requesting per the CFPB and DOJ that ALL the above concerns of negative credit reporting is removed from all three major credit reporting agencies for the following dates : XX/XX/XXXX, XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( XXXX late ) otherwise I XXXX need to seek a class action lawsuit, notify media and contact the Department of Justice for legal actions against Carrington XXXX unfair practices against consumers during the worldwide pandemic. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I accidentally made a large payment of {$6000.00} to Citibank when my bill was less than {$600.00}. I requested a full refund. I was told that my request would be processed in 10-14 days. The representative asked if I had overdrawn my account and I answered honestly that it hadnt. It has now been 15 days and I am now unable to pay the next months bills because this hasnt been returned.

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 2023-02-09
Company: EQUIFAX, INC.
State: FL
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 accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX account number # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account numbe XXXX XXXX U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also States Consumer reporting agency cannont furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Incorrectly charged monthly fee when promised no fee

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 2022-03-26
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$150.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Smart Money Alliance
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello. Our company XXXX XXXX XXXX XXXX partnered with a loan company called smart money alliance to fund loans. We we're told if someone goes thru the entire process of the loan, we will have to pay a origination fee of {$1200.00}. They informed us that either we pay it or charge the customer for the fee. One of our clients we submitted however the client never went thru the process and refused the loan. Smart Money Alliance is trying to charge us for the loan that never was completed thus their trying to charge us {$4700.00} in fees for a loan that our client never went thru. They keep sending invoices and we're at a point that we're tired of the harassment. WE DON NOT OWE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent RMP, LLC a debt validation letter on XX/XX/2021 which was delivered on XX/XX/2021 by UPS. It is now XX/XX/2021 and I have yet to receive any information validating the debts that are currently being reporting on my credit reports. I also never received any initial communication from RMP, LLC regarding this debt. The only way I know it exists is because I monitor my credit reports and noticed that it is being reported. And since I did not receive any letters from RMP, LLC prior to them starting to report the debt to the credit bureaus, I also never received any disclosure of my rights to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: AZ
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am a former customer of Wells Fargo Bank Mortgages and I received an email on XX/XX/2022 from CFPB regarding the class action lawsuit with Wells Fargo Bank Mortgages regarding those who were wrongfully foreclosed or illegally denied modifications. It advised that if I am eligible I do not have to take any action and the company will notify me, well they have not. I experienced these issues with them which forced me to retain legal counsel. I would like to have been a claimant in the lawsuit and receive any compensation that I am entitled. Perhaps I was overlooked. Which is unfair. How would I proceed to file a claim? please email me, 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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Today XX/XX/XXXX I called TransUnion to report six unauthorized fraudulent hard inquiries accounts that was on my TransUnion credit report after doing so the customer service representative, told me " sorry, but i can't help you out today with your problem '' .The list below is the names and dates and address and contact information of all six fraudulent hard inquiries accounts that shouldn't be on my TransUnion credit report. 

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
After transferring my loan from nelnet I contacted Mohela on XX/XX/18 after being on hold for nearly two hours about my payment being incorrect. Under the SAVE plan I was estimated at {$100.00} on their site as well as on federalstudentaid.gov. Theyre attempting to charge me {$280.00} which is payment under a standard non income driven repayment plan. It also lists a different amount under my current repayment plan the customer service representative could only repeat the amount of my loans and read off a script on repayment options, while reiterating that its just an estimate I had that same day resubmitted my application via studentaid.gov and recertified my income through mohela and studentaid.gov which the representative could not answer to me if it was accurate or if it would change it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation