BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Commenity/XX/XX/XXXX has been sending me emails about balances due for the last several months. In response to the emails, I have sent messages beginning about XX/XX/2019 telling them that the amounts are fraud and to please close my account. 

Today, I received another email stating that a balance was due. I told them again through their email service that this is fraud. I also asked them what paperwork I needed to send in to notify them again that there has been fraud. about 2 hours later I received a text to call them. I called them and they said there is a balance due and there is 1 missed payment. The lady said that my account was not tagged with fraud and they didn't see any fraud. I did not authorize the transactions that have led to the balance owed. 

How long will this go on before they understand this is fraud. I asked for this account to be closed a couple of months ago. Please do not let them report erroneous information due to fraud that they have yet to handle. 

Please have someone with authority call me back from the company so I can finally get this issue resolved. My phone number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint starts with XXXX I called Mr. Copper lending company to check on my payments for mortgage. The letter statement showed XXXX but checking the website its was XXXX. This confusing situation began in XX/XX/2022, I spoke to Mr. Cooper on the phone about my shortage in escrow of XXXX and I talk to customer service and gave my account number, and routing number to electronically withdraw from my bank account. It was not done they said due to insufficient funds which was not true. Again I tried in XX/XX/2022 and spoke to Customer service and I got the same response from the REP. of INSUFFICIENT funds in account. All not true, so I mailed a check of XXXX and wrote on check memo line ESCROW ONLY along with sticky note in PINK. They applied it to my principle balance anyway. I again I called and talked to REP at Mr. Cooper to move funds to ESROW ACCOUNT. In the meantime they charged me XXXX on XX/XX/2022 and XXXX on XXXX 
I spoke to XXXX at Mr cooper XXXX XXXX and she said its a fee from my bank due to Insufficient funds and Mr. Cooper was charged by my bank that amount of money. I called XXXXXXXX XXXX  and NO transaction was filed with them. Also the check I mailed XXXX was from the same account as electronic withdrawal. I want a refund of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My existing Mortgage is with Wells Fargo. We contacted them about a refinance anf filed the appropriate applications and sent a check for {$480.00} appraisal fee. Wells Fargo ( lets just call it the bank ) chose an appraiser and came to my home and made an exhaustive examination both inside and outside. We were informed by the bank that he came up with a value of {$490000.00} ten thousand less than the {$500000.00} we but on the submitted application but my wife and I could live with that difference. 
However several days later we were informed that there was a " third party interference '' with the appraisal and the bank would have another appraisal done at the banks expense. 
Incensed I asked the person at the bank, XXXX XXXX, for an explanation and on a recorded .conversation said in her numerous years at the bank she never heard of this happening. I demanded to know who the third party was and she said she would get back to me.She told me not to worry because the bank was paying anyway for a new appraisal. Now comes a new appraisal. {$370000.00} one hundred and fifteen thousand less then the appraisal I paid for. Several mistakes were brought to XXXX 's attention but she told us the bank wanted them in writing. I sent the written list and demanded again the names of the third party person,. who chose the new appraiser and the return of my paid appraisal fee. Back in forth with her and her supervisor for several weeks we were told we could get the mortgage using the new appraisal and the cash out we wanted HOWEVER there would be an interest rate increase then that we were locked into due to the decreased value of the second appraisal.Therein lies a fraud. Without explanations of mysterious persons involved in the appraisals. I went to the XXXX XXXX NY County Clerk to examine the listed assessment of my home and those used in the second appraisal and was informed that something was wrong with our estimate and that in his 30 years in the real estate department he never heard of a one hundred and fifteen thousand dollar difference between two estimates on the same house just days apart...

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 2022-10-25
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have one inquiry on my XXXX credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a background check through XXXX and the credit bureau Experian is stating my SSN card was issued prior to my date of birth, which is incorrect! I supplied Experian with a letter stating my SSN card was issued after my date of birth! Additionally, I currently work for Department of Veterans Affairs, a Veteran myself and passed a federal background check! Experian is causing undo hardship by not updating correctly the date my SSN card was issued! Causing loan issues with my creditors and future creditors.

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 2021-05-11
Company: Convergent Resources, Inc.
State: VA
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:
I have tried to fix this erroneous reporting with This company so many times and now Im forced to file a lawsuit to get it fixed. This XXXX XXXX is simply not my account. Ive asked for validation and still Ive not received any type of validation. Its been over a year and still here reporting FRAUD! Im suing for but not limited to Defamation and Violation of FCRA. If this company is willing to fix its erroneous reporting I am willing to withdraw the lawsuit. Until then, Ill see them in court!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called to inquire about my credit card and was informed that it was closed due to it being over the limit for 5 months. It never shows it was closed, We were affected by COVID-19 yet I never missed a payment. I finally was able to bring the account balance under the credit limit and now the account was closed. I never received anything in writing about the possibility of the account going to be closed. Per the Cares Act, accounts can not be closed unless more than 3 payments are missed. I didn't miss a payment and thus closing my account is in violation of the Cares Act. Please re-open the account and remove any negative reporting that may have been reported 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 2023-08-26
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They froze my accounts because they suspected fraud. I did not knowingly commit fraud. US Bank did not contact me before they froze my accounts. I could not pay any bills. I could not purchase any medications that I needed. I am a XXXX  and I XXXX  from XXXX XXXX XXXX. I could not pay bills and as a result I was charged late fees because of the bank. I called and asked for my money several times. They froze my accounts ( 3 total business acct, personal checking acct, and a savings account ) on XXXX, XX/XX/2023 and nothing has been done to help me. I explained to the bank representatives that I was on a fixed income ( retired teacher ) and that I needed my money. I just need them to give my money back to me. The US Bank has sent me letters referencing this issue. Someone wired me {$84000.00}. I did not realize at first that it was part of a debt owed to me. I told them to send it back. I wrote a letter asking that the {$84000.00} be returned to me. It was put in my business account. They have not returned this money to me. Since they froze my accounts, I can not access them at all.

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 2023-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureau. The inaccurate information about my inquiry is still on my report. Therefore, Experian/XXXX have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Inquiry Date XX/XX/2023

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 2017-05-17
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX / XXXX / XXXX  A judgment was placed on my credit report from LVNV Funding LLC with  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  acting as the collection agency collecting the active judgment amount from the balance of {$6500.00} from a repossession in  XXXX . Although this debt was not paid the collection agency  LVNV Funding a nd  XXXX ,  XXXX    XXXX    XXXX ,  XXXX  do not have a license nor are they bonded to collect in the state of MN where this debt initiated. On all of the documents I have received from this company both names exist and neither  XXXX  come up as licensed and bonded in the MN of Department website. I would like to complain know what actions can be taken to recoup the money paid to them and get this judgment vacated and removed from my reports as it has impacted my ability to gain credit worthiness since it has been reported in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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
Consumer complaint received 2023-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We are a merchant with a business account with Wells Fargo Bank. Our operations include in person and online sales. Between XXXX XXXX XXXX XXXX our website was attacked by what seems to be a robot which attempted XXXX purchase transactions from which a small portion got approved and have been charged back since. 
Nonetheless, the card processing fees alone for the XXXX and so transaction-attempts mounted up to a total of {$13000.00}. 
Wells Fargo decided unilaterally, that they would do " a-one-time courtesy refund of about 80 % of the total amount '' of the aforementioned fees and that we, the merchant should still pay up the remainder of {$4400.00}, for " not having sufficient security measures in place '', in order to prevent this activity. 

We have consulted with a web services technician and have been advised that there no security measurements within our dashboard that may prevent an attack so big and orchestrated. In fact, an attack so big should have been detected by the processing networks and stopped it after the few XXXX transaction attempts. 

At the same time, we are still dealing with the chargebacks and keeping track of them. 
At this point, we just want to refunded in full for processing fees derived from the attack, so we can be net XXXX from that episode and carry on with our business. 

Please advise. We thank you beforehand for your time on this matter. 
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 2023-06-15
Company: EQUIFAX, 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:
A collection is appearing on my account XXXX XXXX XXXX XXXX  This is an account that has been closed and should have never been reported. I do have the case report as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were disputes previously made not credited : XXXX XXXX {$25.00}. XXXX XXXX XXXX {$35.00}. XXXX XXXX {$150.00} XXXX {$23.00} and XXXX 's XXXX {$26.00} totaling {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 XXXXCapital One Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card '' account under an open end 353 consumer credit plan as late for and purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sirs : I wish to bring your kind attention to the enclosed documents for my safety deposit boxes at Wells Fargo XXXX location, XXXX. 

I have been your long term customer for last XXXX  years. You can verify on top of both the safety deposit Boxes agreement, XXXX XXXX Manager of Wells Fargo signed stating that the boxes are given to us for free for life so long as we have our accounts with the Bank. 
We went through different store Managers, at this location, XXXX XXXX, XXXX and other XXXX, who have been reversing the box fees. The fee was first charged and then removed as per the explanation given to us by all previous managers ( an arrangement required for the banks paperwork sake ). 

I have been in communication with Wells Fargo business line of communication executive office and I am not getting anywhere and there is no understanding after producing proof of free boxes by your Manager.

I would really appreciate your offices help and getting this issue fixed asap and we should not be charged for these two safety boxes so long we bank with Wells Fargo.

Awaiting to hear from your office soon. Please make sure that the charges levied towards the boxes have been removed and hereafter we do not have to encounter any further issue in future with the new store managers at this location.

We have been your customer and we would like to continue doing business with your bank unless we are forced to leave due to poor customers service. 

Appreciate your taking valuable time in going through the documents. 

Thanking you, 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 2023-11-15
Company: U.S. BANCORP
State: NY
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:
i never applied for a loan or anything with this 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 non-monetary relief
Consumer complaint received 2023-08-26
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hunter warfield is a predatory lender for the XXXX XXXX  XXXX in XXXX, Mississippi. I have half a dozen people that can give character statements and completely testify in a court of law that they witnessed their property manager. Cutting the locks off of my door for no reason going in my house, harassing my mother, that is XXXX, threatening to have my children taken away, all with my rip being current and paid. She was a XXXX XXXX XXXX XXXX XXXX XXXX ashamed to be called a human or woman and never once notified me of damages or court and never have been able to provide proof of their allegations but because they have the ability they lie to the federal government and hinder and ruin all persons lives they are able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried using my debit card on Monday the XXXX, it was declined, I called the bank they stated that they are closing my account with no reason or explanation. I called multiple times to get this fix, its still no response. They have my money XXXX dont have access to any type of money at all. I have XXXX kids to feed and my next paycheck not until XX/XX/01. What Im supposed to do for next XXXX week without any money. Ive been very stressed about this situation. I will be bring this to social media. Its unfair and its not right. Chase bank is horrible

Company response to consumer: Closed with explanation