BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to account ownership. I am requesting that you provide me the promissory note of this account. It states I am a " joint, '' but I am sure I was the primary and my sister XXXX XXXX was the joint. Also, you have not fulfilled your promise and removed the comments from XXXX XXXX 's XXXX report which still remain to this day. WELLS FARGO HOME MORTGAGE XXXX. Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. The previous employees of WF that were handling my disputes were XXXX XXXX XXXX & XXXX XXXX XXXX which I left a voicemail with. 

Truly, 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 2022-07-06
Company: BELMONT FINANCE LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BELMONT FINANCE LLC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of 2023 I contacted BMO Harris Bank about a rewards issue with my credit card. When the representative answered my call she could not speak English or understand it very well and began to ask me security questions which I could not understand or answer and so she suspended my account to the point where I could not even close the account. I was sent an email stating I would have to go to a branch of which there is not XXXX within XXXX miles of my location or go and get notarized forms email it to them call and verify that they were emailed in order to do this all at my expense and time for which I don't think is reasonable since I did nothing wrong except wanted to have a rewards issue explained

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 2023-09-21
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
My Name is XXXX XXXX XXXX I am writing this to inform whoever it may concern of fraudulent foreclosure practices with a mortgage company named NEW REZ /dba SHELLPOINT I have been a victim of identity theft tittle fraud and mental anguish from this corporation about a property that was gift wrapped from my grand mother XXXX XXXX XXXX a deceased retired federal employee ( FHA ) to my now deceased mother XXXX XXXX a retired city employee ( XXXX ) this mortgage company is committing title fraud and homeowner insurance fraud through their various esquires the most recent is XXXX XXXX XXXX I have all the legal document to show that this property was a passed down clear and free of any interest or liens these esquires and mortgage companies are dealing with my trust that was also left to me and is now being ran by fraudulent estates that was reported on every level local and federal the bank XXXX XXXX XXXX XXXX XXXX has let these entities rob my trust and estate and neither of them have followed the FDCPA I have sent multiple certified mails stating how they have violated my rights and are giving lines of credit off my properties that was not authorized by me I have reached out to the attorney general also regarding this matter and this is identity theft tittle theft homeownership fraud and estate and trust theft I am now writing this bearu of the government for help against these creditors that have ruined my life and is now coming after my children as well as myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my credit card on XX/XX/XXXX, on that day they charged me a yearly fee of {$39.00}. I made my first payment on XX/XX/XXXX however they somehow had my moms bank information previously on file and I believed it was mine because we use the same bank. My mom returned the payment on XX/XX/XXXX and I corrected it to credit from my account on XX/XX/XXXX. They were able to successfully pull my payment on the XXXX. Then on XX/XX/XXXX they attempted to pull a payment for XXXX however I used the app to cancel this prior to the first. Although I was opted into overdraft protection through my bank. My bank did not authorize this payment to go through and returned the payment. Then on the XXXX I had a payment set for XXXX . And my bank once again returned the payment. I went in and spoke to my bank and asked them for a letter to send to capital one that stated I was opted into overdraft protection and they refused to make the payment on my behalf. Because of this I was charged a late fee on my credit card. I paid the entire card balance on the XXXX and this did go through since I spoke to my bank. However on the XXXX capital one decided to close my account. I spoke to them and they said it was because of the returned payments which I had told them it was the fault of my bank XXXX XXXX XXXX XXXX. They continued to tell me that they cant do anything for me and that I had to wait until XX/XX/XXXX to appeal their decision. I have since been refunded XXXX XXXX $ fees for the mistake of the bank and they have described it as an error on my statement as I was opted into overdraft privilege on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} 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 2020-06-04
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : 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 explanation
Consumer complaint received 2019-05-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
Hi there, I am an XXXX seller who recently started selling on XXXX international sites.  

At first, I had set PayPal to do automatic currency conversions. Then I figured out that PayPal was charging significantly more than the mid-market rate, and I also found this post -XXXX XXXX   XXXX - from someone saying how bad PayPal 's currency conversion rates are. I believe that person is based in XXXX, which makes a difference ( i am in the US. ) To avoid PayPal 's abysmal currency conversion rates, I had read that I should set Paypal to accept other forms of currency - this would turn off automatic currency  conversion. So I did this. Then I opened an account on XXXX, with the intention that I would withdraw money from Paypal directly to XXXX in Euro, AUD, GPB etc. and have XXXX do the currency conversion to USD ( their rates are much more favorable than Paypal 's ). XXXX gives you international bank account # s to facilitate this. 

I tried to add those international bank account numbers to my PayPal account, and i found out I couldn't do it. Why? It turns out that paypal US will only allow me to add US bank accounts - so they make it impossible for me to withdraw other forms of currency other than USD. Essentially, paypal forces you to use them for currency conversion. I find this completely unfair as it is my earned money, and PayPal is taking all these unnecessary extra conversion fees and there is no way I can avoid those fees. paypal should give me the option to add international bank accounts so i can CHOOSE who does the currency conversion and am not locked into paypal 's predatory rates. this is not just me they are doing this to, but ALL U.S. paypal users. Unfortunately XXXX uses PayPal, so as an XXXX   seller I can not decide to simply stop using them. I do not think PayPal should be allowed to make it so that only THEY can do currency conversion with my money. I should be able to choose and link international bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: MN
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 XXXX Account number : XXXX, 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 a account without my written instructions

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 2023-01-23
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Radius Global Solutions has continuously called my cell phones. They usually ask who I am and when I will not give them my information until they identify themselves, they hand it up. Today they called and asked for XXXX XXXX and again played games. I have spoken to this company countless times, and even tried to reach their corporate office, and all I get is a run-around. 

It's obvious they are using free-to-search databases online in hope of finding this person but keep calling my number even though I told them to STOP... I have had my number since well before 2004 so I know this company is full of XXXX to say, the debtor listed this number. 

This is harassment .... My number is on the do not call list and I do not know the XXXX 's

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 2024-01-06
Company: CITIBANK, N.A.
State: TX
Product: Credit 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:
Dispute of {$100.00} and {$460.00} " cash advance fees '' made to unknown merchant XXXX on XX/XX/XXXX I disputed any charges made on XX/XX/XXXX immediately after I got a fraudulent alert message from Citi and they said they'd check into it and reversed XXXX charges on following day ( which I had not see the prior day ). They sent me a new Citi XXXX XXXX On XX/XX/XXXX I received letter from Citi that stated these charges were not fraudulent. They failed to provide any information on tracking this merchant XXXX XXXX XX/XX/XXXX I sent a detailed letter to Citi explaining all that had happened and why I disagreed with their decision. 

On XX/XX/XXXX I saw an unexpected charge on my XXXX Citi XXXX and Called XXXX at XXXX Am XXXX on sudden charge of {$33.00} I saw on my Card. She said this was a cash advance fee related to the apparent cash advance payments of {$100.00} and {$460.00} made to XXXX that I had disputed. She said she would reverse the charge and that I should talk with the fraud department on the status of receipt and action on my XX/XX/XXXX letter. 

On XX/XX/XXXX at XXXX PM I got connected to the XXXX Department. They said they would re-open my case. 

On XX/XX/XXXX I received an email from Citi that stated they would re-open my case ( see attached ). 

On XX/XX/XXXX I checked my Citi card balance and they had not revered the {$33.00} charge and had added a {$13.00} interest charge related to the XX/XX/XXXX charges. 

ON XX/XX/XXXX I called Citi spoke with XXXX and he said yes they had re-opened the dispute but had decided the dispute was invalid so they had closed the case once again. I asked to talk to supervisor and talked with XXXX. XXXX they would further investigate but that actually originally I should have disputed the charge with the dispute department rather than fraud department. But he reopened the case with case numbers XXXX for the {$100.00} and XXXX for XXXX {$460.00} charge and offered {$100.00} valuable customer credit for my trouble. 

On XX/XX/XXXX I went to my Citicard account to see if I could actually dispute the charge like I was told to do, and saw I could not dispute the charge because it was already closed out. 

I have no confidence that Citicard will reverse the XXXX charges so I need help resolving because I am just getting the run around.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2024-01-06
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
For a quarter of a century, I have called this farm my home, tending to its every need. However, around XXXX, XXXX XXXX relinquished my mortgage to M & T Bank. Despite the change in ownership, I remained steadfast in my commitment to timely payments. Recently, as I made the difficult decision to sell my beloved property due to financial constraints, an unsettling truth came to light. It came to my attention that M & T Bank had failed to accurately document their acquisition of my property as a mortgage holder at the XXXX XXXX  Tennessee courthouse. Since the anticipated closing date of XX/XX/XXXX, I have tirelessly reached out to M & T Bank on a daily basis, desperately seeking their assistance in rectifying the erroneous deed at the XXXX XXXX  Tennessee courthouse. With the impending sale of my farm hanging in the balance, I have pleaded and implored for their intervention. Countless conversations with supervisors have only resulted in deceitful promises, leaving me feeling utterly betrayed each time I make a call to them. In my vulnerable state as an elderly woman battling a XXXX XXXX XXXX XXXX I cant help but feel exploited. I beseech anyone who can offer aid to please step forward. My contact number is XXXX, and my email address is XXXX. My fervent plea is for M & T Bank to rectify the deed at the XXXX XXXX Tennessee courthouse promptly and accurately, utilizing either a deed of trust or warranty deed, so that I may proceed with the closing on my farm and fulfill my obligations to them.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
This is the several times I've complained about some erroneous accounts in my report. You must correct and update these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-17
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a house fire in XX/XX/XXXX that substantially damaged our entire home to the tune of approximately $ XXXX. Our initial disbursement from insurance was $ XXXX of which, all had been paid to us and in turn to our builder for work performed. Our home was noted as more than 85 % completed as of mid XXXX and we plan to move in within a few weeks as the last details are completed. We have approximately $ XXXX in payments from insurance to trickle in over the upcoming months. $ XXXX was received by us XXXX and submitted to Roundpoint Mortgage for processing to pay our builder. As of XX/XX/XXXX Roundpoint has declined to return these funds to us to pay our builder. We have had to pay our builder out of our personal savings. Proof of these payments has been provided to Roundpoint yet they have still failed to issue payment to us. Given that our home is substantially completed, Roundpoint has no excuse to continue holding funds due to us as repayment for payments to our builder.

Roundpoint has only issued payment to us in two situations ( 1 ) we filed an initial CFPB complaint and payments 1 and 2 were released and ( 2 ) we contacted ORNL FCU who is the primary servicer and they directed Roundpoint to release final payment of the $ XXXX ( payment # 3 ).

Company response to consumer: Closed with explanation