BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought our current home and originated our mortgage on XX/XX/XXXX of XXXX. The mortgage was set up with no escrow account and the annual fee for our Homeowner 's Insurance was paid through the close of the home. The loan was funded by XXXX XXXX XXXX, sold to XXXX XXXX and servicing was assigned to XXXXXXXX XXXX 

In XXXX of XXXX I received notice from Shellpoint Mortgage that they are adding a {$410.00} monthly escrow payment to our account. When I reached out to Shellpoint to find out why I was informed they had received the annual renewal for our Homeowners Insurance and had paid it. Although the renewal was not due until XXXX. When I mentioned we do not have an escrow account on our mortgage, I was instructed to send in an escrow payment to cover the renewal and they will request removal of the monthly escrow payment. 

After making the payment to cover the insurance renewal I received notice that they can not remove the escrow payment because we have not had our loan for a year. I again called in and explained the circumstance and again I received a letter stating we had not made enough payments for them to remove our escrow account. 

On XX/XX/XXXX I called in and spoke with a Supervisor named XXXX at extension XXXX. She looked through the notes and realized we never had an escrow account on our mortgage and that they were collecting {$410.00} a moth for no reason. She assured me she would take care of the issue the escrow payment would be removed and the balance refunded within a week. However nothing changed. 

I called back on XX/XX/XXXX and spoke with another Supervisor name XXXX at extension XXXX. She saw the previous notes and asked me if I had a copy of my mortgage note which I did not. As the mortgage servicer you would expect they should have a copy. I explained to her the previous Supervisor was able to see we never had an escrow account and at that point we are paying an additional {$400.00} a month for no reason. She again said she would clear up the issue, and again nothing happened. 

I have called several times since and left messages for both XXXX and XXXX but have not received a response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX, or a date close to that, we checked our online account with Capital One. We each have a credit card with Capital One bank but they are part of a joint account. We noticed a charge emanating from XXXX claiming to be from " XXXX XXXX ''. Since neither of us made this charge, we checked with XXXX and they had no record of this transaction. We then called Capital One to advise them of the fraudulent charge and to initiate a dispute. Their agent took down all the data which included the amount ( {$12.00} ), description ( XXXX XXXX XXXX ), and the date XX/XX/XXXX. XXXX. However, this incompetent agent did not dispute this charge. Instead, he disputed a different XXXX charge in the amount of {$3.00} which posted on XX/XX/XXXX with the description of USPostalUser. This charge was an authorized charge and was NOT DISPUTED. The agent disputed the WRONG charge. He failed to use even one piece of information given to him to identify the charge which was fraudulent. We subsequently contacted Capital One on two other occasions to try to rectify the situation. We have also sent a USPS letter to the CEO of Capital One ; we have to date not had a response. In the meantime XXXX put a hold on our account because they have not been paid. Today we spent over 70 minutes with various Capital One agents from the XXXX struggling to understand what they said. Their explanation is that we have to contact XXXX ourselves to rectify THEIR ERROR. They listened to the recording of the initial call and they agree that the error was made by their agent. However, this in no way means that they agree to solve the problem which they created. An institution which can not rectify financial errors which they make, no matter how small, should not be allowed to continue operations without penalties. Two of their representatives say this amount ( {$3.00} ) is " below threshhold '' or some such nonsense. They say they have no way to restore the payment to XXXX. In short, THEY REFUSE TO CORRECT THEIR ERROR and the other complications this has created for us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was told i was to pay a one time fee for {$1.00} to check my credit scores and now they have been trying to charge XXXX and change to my bank account and i never agreed to it. I was flagged by the bank about this being fraud and they are still trying to charge me. The pretenses where that I would get a loan if my score was good enough but I was only to be charged XXXX dollar not continuing charges and I tried deleting my account but theres nowhere to delete the account when I reached out to the company they said that the charges would be reversed, but they continue to try charging so clearly theres a scam going on here something illegal is happening and I am not reporting it to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased a vehicle in XX/XX/2022. The price of the vehicle was confirmed when I arrived at the dealership with the ad in hand, price was changed on the paperwork. I was forced to purchase a service contract with the loan even after I expressed in writing that I did not want the service contract. I was misled into believing these documents were not final and those changes would be made before signing. Contracts were " signed '' with my digital signature and submitted, adding more than {$3000.00} to the final purchase price. Complaints were filed with DMV, XXXX XXXX XXXX, State Attorneys Office, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX and TransUnion both report an " XXXX  XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " XXXX  '' AND the " TransUnion '' report! 

This score appears to be COMPLETELY DIFFERENT from TransUnion 's " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Deposits were reversed and later posted after transaction creating 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 2021-07-02
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Bank Card Established An Account in my name without my permission In XX/XX/2019. I was not Aware of this Account until XXXX. I contacted discover And made them aware that someone had stolen my information from the address that I was living at And had not resided At since XXXX of XXXX. I have tried to make myself clear that I am not responsible for Any of the debt or Anything else that discover is taking action to persuade and Demand! As I have stated I Am A victim of identity theft fraud And my information was stolen! Discover financial needs to stop harassing me! Stop sending notice to the credit reporting agencies And stop sending corespondent letters to my current address about this account because its not mine. The company calls my personal phone number 50 times A day And I have insisted that the calls stop and they have not! I am definitely demanding all communication be stopped or legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
See complaint XXXX. As stated in the complaint, check was allegedly sent. But I've see this claim before and that's the reason for the multiple complaints. Don't understand why this would get closed with out verifiable information that the company has followed through. Is the cfpb paid off by these big financial institutions to not actually investigate these wrong doings? Why have the cfpb if they are going to do anything and hold these institutions accountable. 
Complaint is opened so we can confirm the business does what they say. They didn't before. Actions speak louder than claims.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern. 

We contacted Fannie Mae, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXX XXXX  and XXXX XXXX refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX, which eventually was transferred to XXXXXXXX XXXX . In between XXXX and XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XX/XX/XXXX of XXXX. XXXX XXXX was paid in full, and we have a letter directly from XXXXXXXX XXXX, showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX  numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and 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 2021-07-02
Company: ProCollect, Inc.
State: TX
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:
Identify theft not my account at all I sent you guys my police report due to the situation some how when someone use my name it got placed on my credit it needs to come off I already filed with the FTC I feel Pro Collect Inc. is playing games due to a police report I sent in mail for the apartment named XXXX XXXX XXXX instead they get it mixed up with another apartment called XXXX XXXXXXXX XXXX which I didnt have a police report for that apartment those not have anything to do with the XXXX XXXX XXXXXXXX XXXX is not my account either! Its identify theft!

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 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Dispute of Inaccurate Information on My Consumer Report Dear Sir/Madam, I am writing to formally dispute the inclusion of certain accounts in my consumer report, which I believe to be in violation of my rights under the provisions of 15 USC 1681b and 15 USC 1681c-2 . The accounts in question should not be furnished on my consumer report for the following reasons : Violation of 15 USC 1681b - Permissible Purpose of Consumer Report : Under 15 USC 1681b ( a ) ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I wish to emphasize that I have never provided any written consent to any consumer reporting agency to report the information associated with the accounts in question in my consumer report. This constitutes a clear violation of my rights as a consumer. 

Alleged Identity Theft and 15 USC 1681c-2 : I have reason to believe that the accounts listed on my consumer report may be a result of alleged identity theft. Pursuant to 15 USC 1681c-2 , a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have already taken appropriate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case. 

Considering the above, I kindly request the immediate deletion of the following accounts from my consumer report within the statutory time frame as required by law. 

Account name 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a pair of shoes on line and paid via PayPal. I tried contacting the vendor per their suggestion. Apparently because the vendor 's name is an individual 's, Paypal does not offer any protection. 
The vendor 's name is XXXX XXXX. I paid him {$62.00} I tried to contact him to this email address to no avail. There is no reply and no product has been delivered. 
Paypal also does not have an email address for this individual. The message I got from Paypal is : " you are unable to send this user a message '' How does PayPal allow this type of vendors is beyond me. ( see attachment ) Thank you for your help, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-03
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a lease with Ally for my XXXX XXXX XXXX, XXXX XXXX, Account Number : XXXX, Contract Date : XX/XX/XXXX. The lease and car was paid off by my credit Union, XXXX XXXX XXXX, but I never did receive the title for my vehicle from Ally in the mail because I relocated from my previous address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, to my current address. I moved from XXXX in XX/XX/XXXX to XXXX So thats why I didnt receive my car title for my vehicle. I need my title to get a car title from the state of XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2023-11-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
RE : inquiry removal Well, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry.

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: LA
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:
My XXXX XXXX account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

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 2021-07-02
Company: U.S. BANCORP
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of XXXX  I was accepted into a property tax deferral program offered by the Mn XXXXXXXX XXXX XXXXXXXX. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and US BANK still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX XXXX on a XXXXXXXX XXXX house. Well, they want me to pay the full amount and this is even after the head of the program contacted US bank. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me 30 rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair

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