BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Gateway mortgage left out taxes on my monthly payment to make me qualify for a loan. This is the second time they have done this to me. I bought a home with them in XXXX and they left out school taxes and mudd taxes. I only found out months later after receiving notices my payment was going up and I was required to back pay. I recently bought a new home in XX/XX/XXXX and they did it again. I thought the first time was an accident but then it happened again. My new mortgage payment is now more than I am able to afford and I am being back charged for the amount they left out in closing. I would have not agreed to the mortgage if I had known the actual payment amount. This I believe was manipulation of my ability to pay to force qualify the loan. They have since changed names and I can not get anyone willing to help. They sold my account before my first payment. That also seemed to have a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My husband passed away on XX/XX/XXXX. He had an american express business account and while trying to resolve his balance with estate services I requested his XXXX statements to be sent to me so that I could file his XXXX taxes. American Express will not send the statements. I have requested that the statements be sent twice ( ( XX/XX/XXXX and XX/XX/XXXX ) twice and they tell me each time that they can't tell me if they have been mailed since they can't see this in their system. I asked that they be sent via email then. They told me that they can't do this. I asked if this was because we have a balance that is being disputed. They told me I was not responsible for the balance left on his corporate card, but that it might help if I paid the balance off. I asked to speak to a manager about why they can't tell me if and when the statements had been mailed. They told me the manager was not available and they would leave a message. I have not heard back from anyone. I also asked if there was another department that I could speak with that could give me more information, I was told no. I think I am getting the runaround, which is awful considering that my husband was a loyal cardmember since XXXX and now they are trying to squeeze me right after his death.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 I have a Experian credit report which gives you your Scores and protect your ID, my social security number is wrong, and they added another party which is not mine here are the two credit report numbers, XXXX XXXX. A party sent in a statement that they where in the armed forces and they would be out of the country until XX/XX/2022. This not me I have been working so that is also 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 non-monetary relief
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi, This is my XXXX time requesting this information. Your customer service representatives keep giving me the run around. 

May I please have the agreement that was set in place for the security interest on my XXXX XXXX XXXX? 

DO NOT send that retail installment agreement. That is not what I am asking for. 
If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. 

My email address is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: N.A.R., Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over 7years ago XXXX bank card started taking money from my other charge cards! 
They were taken to court in XXXX and paid damages BUT did not put back money that they took from my XXXX bank card! 
In XXXX the case against me by XXXX  was dismissed I have been getting threating phone calls again from N.A.R. 6 to 10 times a day! 
XXXX Bank took over XXXX from most of the card that I had to cancel!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank 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 non-monetary relief
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Keep in mind these are posting dates - transaction dates occurred earlier. 

XX/XX/XXXX, clearing XX/XX/XXXX, Visa Debit purchase of {$33.00} XX/XX/XXXX, cleared XX/XX/XXXX - XXXX - {$1200.00} transferred to my WF checking account. 

XX/XX/XXXX, cleared XX/XX/XXXX - {$690.00}, sent XXXX through XXXX to XXXX XXXX in XXXX {$580.00} balance - XX/XX/XXXX, cleared XX/XX/XXXX - {$120.00} sent to XXXX  XXXX XXXX account ending in XXXX {$460.00} Balance On XX/XX/XXXX I attempted to send a package through XXXX by purchasing waybill online. Used WF Checking Visa Debit account. Transaction for {$180.00} rejected. Attempted transaction again with WF Visa Debit, for a slightly different XXXX service. Transaction for {$190.00} also rejected. 

However, WF put both transactions through my account, debiting both ( {$380.00} ) against my available funds. These transactions were ALWAYS pending- NEVER cleared. 

XXXX Opened a claim inquiry with WF - Reference Number : XXXX XXXX Email from WF saying that due to those charges from XXXX - my account was overdrawn for the {$690.00} transaction payment to XXXX - and an over fee would be assessed if I didn't fix it by XXXX ET on XXXX. 

XXXX - Overdraft fee of {$35.00} assessed against my account. 
XXXX - receive response from XXXX admitting their error. I forward this information to WF. 
XX/XX/XXXX - The two XXXX charges which were always pending, are dropped from my account. 
The improperly assessed overdraft fee of {$35.00} is not removed from my account. 
Email WF to complain - generic response - fee not removed. 
XX/XX/XXXX - telephone WF banker to remove overdraft fee - THEY REFUSE. 
XX/XX/XXXX - contact you at consumerfinance.gov

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 2020-05-02
Company: MidAmerica Mortgage Inc
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with an Loan Originator XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on Wednesday XX/XX/2020 in regards to refinancing my home. I submitted the application immediately. Several days went by of hearing nothing and so I called to verify everything was okay. Was informed everything was received and we should close in three weeks tops. A week went by and I heard nothing again. No email, no letters, no phone calls. I call to speak with him and am informed he has left on maternity leave??? So I ask for my file to be transferred to someone else because I dont want to just keep waiting and am informed that isnt an option. So I wait another week and FINALLY am contacted by XXXX and given a simple spreadsheet of closing costs but not the official Disclosure Statement required by Federal Law. I emailed XXXX on XX/XX/XXXX and requested this Disclosure and now its been 10 days since I requested and not only do I not have my Disclosure but no acknowledgment whatsoever. Again no emails, no letters and no phone calls. Very disappointed in this mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a email from a hacker saying that they were XXXX. I called the number and long story short they under false pretenses took money through XXXX from my account. I disputed the transactions with Bank of America and they denied the dispute. Provided the denial as I need to contact the person that the money was sent to. Unfortunately the bank that the money was sent to has no way of disputing the transactions! Ive lost {$1600.00} and seen no support from the financial institutions which prompted XXXX! It is apparently not FDIC insured however all of the banks did not until recently many fraudulent transactions have occurred made this aware to the consumers. I have a bad taste for Bank of America due to this.

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 2022-02-14
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Ability Recovery Services, LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection company continually lies about this debt and they keep hitting my account as a new debt. Every single time I have disputed with the credit bureaus the debt is immediately removed from my credit report. In a year or so the debt collector will hit my credit again as a new debt and the cycle repeats. I have told the debt collector this isnt my debt and I have no knowledge of this debt. Thier info is boosted below ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA 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 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Follow up of complaint XXXX, BOA sent me an email and asked me to call back to solve the issue. I called back XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX C : XXXX Nobody on the phone so I left message for my phone to ask the person to call back, but till now nobody called back. Most ridiculous is that I already told them that is the fraud account on XX/XX/22, however, BOA kept on sending me ad email about the fake account. 
I think the business just irresponsibly to fraud and identity theft even when the customer told them there was a fraud account being open. 

I attached those advertisements email for fraud 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 non-monetary relief
Consumer complaint received 2022-03-22
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our original Mortgage was with XXXX XXXX Mortgage. In XX/XX/XXXX, we learned our loan was sold to Nationstar/Mr. Cooper. We sent our XXXX payment to Nationstar. We have confirmation from our bank that Nationstar cashed the check. We have confirmation from XXXX XXXX Mortgage, they never received the XXXX payment. I have been dealing with Nationstar since XX/XX/XXXX. I have XXXX email correspondences with this company and no one seems to be able to find out where our missing payment is. We are XXXX month behind in paying our mortgage because we are fearful if we pay up, they will never locate our initial payment and we will be our {$2700.00}. What appears to have happened is they misplaced or applied our check to another account by mistake, so they applied our XXXX payment to XXXX, our XXXX payment to XXXX, Our XXXX payment to XXXX. So it looks as if we are XXXX month behind and did not pay our XXXX statement. However, if properly applied we would be up to date. They have waived all late fees since XXXX when we first started this journey, but I get calls weekly from Nationstar 's Debt Collection agency. 
In my correspondence to Mr. Cooper/Nationstar, I have asked them to flag our account for review and early on was concerned about adverse credit reporting requesting that a notation be made so that our credit would not be adversely affected. 
Since XXXX, I have received frequent automated calls from Nationstar for debt collection, and my credit file has been flagged for late payment. On XXXX occasions, once after a XXXX and XXXX hold time, I spoke with a customer service representative who tried to channel me to the missing money research department, however, the robocall for debt collection continues to harass me. We want to get out of this mortgage and move to a more reputable company, but do not want to be out of our payment. Please help! Thank you for your time with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MA
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:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-15
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-03-12
Company: AmerAssist A/R Solutions, 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: Credit inquiries on your report that you don't recognize

Complaint:
15 USC 1681 Section 602 States I have a right to privacy.

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Resurgent Capital Services L.P.
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:
15 USC 1681 Section 602 States I have a right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I converted a XXXX  XXXX bankruptcy, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with XXXX and Transunion since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the Certified Court Motion stating this case was a clerical error. Both XXXX and Transunion refuse to remove the dismissed bankruptcy. Both instructed me to obtain the Certified Court Document and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to XXXX and Transunions outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.

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 2019-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
My XXXX year old son and I initially contacted Equifax XX/XX/XXXX about placing a security freeze for him. After some back and forth and no substantive response from Equifax, we called again XX/XX/XXXX and were told that it's not possible to create a security freeze because he is over XXXX years old and does not have a credit file. We were told that once he has credit, then they can place a security freeze. 

I told Equifax that XXXX  and XXXX  were able to place a security freeze by creating a credit file for my son and then placing the freeze. XXXX is the only company that won't do this. Equifax indicated they are in compliance with regulations. 

My complaint is that there is no way to fully protect my son 's credit if Equifax won't freeze his credit. I question if they are in compliance with regulations. If Equifax is in compliance, they should protect consumers like the other companies do. Especially since they were involved in one of the largest data breaches ever.

Company response to consumer: Closed with explanation