BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
See attachment : I paid off my car loan in XX/XX/2014 why is there late payments after the loan was paid. This account has all the wrong information on 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 2023-08-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I made a payment from my XXXX XXXX XXXX online payment center to Barclays. The amount I intended to pay was {$700.00}. I accidently put in an extra zero and made a payment of {$7000.00}! When I discovered my error on 08/20/2023, I immediately contacted my bank and was assured that Barclays would refund the money and this is a very common procedure. 

On XXXX/XXXX/2223, I contact Barclays and I spoke to several people in the customer service department including XXXX, XXXX, and XXXX. I was told by the Barclays employees that since the payment was made by a third party, XXXX XXXX, that the money could not be reimbursed and that I needed to contact XXXX XXXX XXXX After many calls to XXXX XXXX XXXX, I was repeatedly told that no one at XXXX XXXX XXXX has ever heard of a merchant not returning the overpayment. I was also told that since Barclays has collected the money and it is now with Barclays, that XXXX XXXX XXXX can not recall the money. I requested to speak to someone in XXXX XXXX XXXX bill pay and was directed to XXXX. 

XXXX, from XXXX XXXX XXXX XXXX XXXX. called Barclays with me on the line and we were finally connected with XXXX ID # LASRPA. XXXX would not provide his last name. XXXX inquired why the money could not be reimbursed. Again, we were told that because the payment was made by a third party ( bill pay ), I would need to seek recovery from them. XXXX from XXXX XXXX XXXXXXXX XXXX XXXX reported she is in fact from XXXX XXXX XXXX XXXX XXXX and that this was not a procedure they could do since the money was in the hands of Barclays and they needed to refund the money. XXXX advised that Bank XXXX XXXX is not able to recall the funds since there was no fraud involved and that Barclays should return the funds. XXXX reported that this was a simple mistake, and it happens all the time. XXXX stated that since the payment was made from XXXX XXXX XXXX and not directly through Barclays, that the money would not be reimbursed. 

I dont understand why it matters where the money came from. The funds have been withdrawn from my bank account and now Barclays has the {$7000.00} and refuses to return it to me. I have gone around and around with this issue since Sunday, XX/XX/2023. I am not a delinquent customer of Barclays. I have always paid my bill. In fact, the minimum balance due on XX/XX/2023 is {$280.00} and I was trying to more than double the minimum by paying {$700.00}.

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 2021-06-29
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Called XXXX XXXX about payoff of house loan around XX/XX/XXXX to XX/XX/XXXX, told them wanted to payoff loan. Talked to a man said it would be {$33000.00}. I asked if I needed to send a letter to confirm, He said no just send the money wire transfer by XX/XX/XXXX. I asked them to send me email. never got an email. 

I sent {$33000.00} on XXXX XXXX.called on XX/XX/XXXX to see if they received money as didnt show up on loan care web site. man told me it could take 4 or 5 days to get in the computer. 
I called on XX/XX/XXXX they said they tried to call me because I owed an additional {$140.00} of interest .I said what for they tried to tell me because I didnt pay it on XX/XX/XXXX .told me would have to send it by wire imediatly or would incur further charges. Then XXXX came back on phone and said it was going to be {$170.00}. ok I sent {$170.00} on XX/XX/08. So I am not happy as they either misinformed me, or lied to me. 

I got the paper work showing loan payed off .But now I cant get thru as they consider me as paid up so wont let me talk to any one I guess I think I should be reimbursed fpr XXXX plus {$30.00} wire transfer fee.

Automated phones wont let you talk to any one unless you want to make a payment.

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: EQUIFAX, INC.
State: LA
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:
Hello, I have contacted Equifax, XXXX, and XXXX about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-06-29
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom mortgage is my current loan servicer for a rental property I own. Their XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) reached out to me to reduce my rate. XXXX quoted me a rate and advised there would be no cost associated with that rate. As such I allowed him to continue with the application and pull credit. He later contacted me and stated that I would be charged basis points in order to be allowed that rate- not because of my credit score but because of the nature of the loan. This was never communicated to me. He never advised me that the rate he quoted me would or could have associated charges. He misled me into thinking I could get that rate assuming my credit score was as I quoted him. When I asked to speak with a manager to advise what had happened - the manager stated he should not have advised that the rate would not have associated fees. This misled me into a false understanding and I now have a hard inquiry on my credit that was completely unnecessary.

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 2021-09-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
An account was open with AMEX that was closed due to non payment. It ended up being sent to collections, where it was paid in full. AMEX found some sort of error in the amount collected which was under {$1.00}, and reported that balance as a new debt on my credit report. I disputed this charge on the credit report, at which point the wrote it off, bit never correct reporting to agencies, still showing the balance as paid off as of the date they fixed their error, not as of the date the balance had been paid in full. I have no other way to continue to review this with AMEX, I'm just referred back to the credit dispute process, which is refusing to process another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2021 XXXX funds were deposited into my Bank of America debit card account. XX/XX/2021 I went to an ATM to check my balance and withdraw a partial amount of my funds. The correct available balance was indicated on the ATM balance inquiry screen, so I proceeded to withdraw a portion of the funds. The ATM malfunctioned, the screen indicated the transaction was cancelled and I didn't need to do anything further. So I proceeded to another ATM on the premise to withdraw the funds and the ATM indicated it was unable to process the request. I returned to the initial ATM to retrieve the verification information and contact information from the ATM to report the issue. Drove to a different location and the ATM balance indicated that the account was withdrawn the initial requested amount, which was never dispensed. I immediately contacted the number listed on the initial ATM to report the issue on XX/XX/2021, and received a claim number. I have made at least 10 or more contact attempts in person and via phone to Bank of America to resolve this matter and it is XX/XX/2021 and I have no resolve. This has cause financial harm and is well beyond the investigation period indicated in the Regulation E guidelines. I request to be made whole and this matter be resolved 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 explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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'm Writing this complaint against XXXX, Equifax, XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In regards to the " Annual Escrow Analysis '' Quicken Loans aka Rocket Mortgage is conducting an escrow analysis every 6 months on my mortgage versus an annual review. My mortgage analysis was performed annually from the closing date of XX/XX/XXXX to XX/XX/XXXX, which resulted in an increase. Today ( XX/XX/XXXX ), Quicken/Rocket has notified than another escrow analysis has been conducted, which will be resulting in an additional increase. Further, an additional analysis will be done in XX/XX/XXXX ( approx 6.5 - 7 months ), resulting in 3 escrow analyses. THIS is UNACCEPTABLE!! 

When I called Quicken/Rocket twice today, two separate agents in the escrow department attempted to justify the semi-annual analyses stating that the state of MD requires annual analysis to be done in XXXX of each year vice the anniversary date of my loan closing. It is no logical way that all mortgage holding residents in Maryland have the same escrow analysis month AND your website ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Escrow Accounts ) confirms it is an ANNUAL analysis unless 3 scenarios apply, which Quicken/Rocket has not indicated that either applies to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX and Equifax numerous times about fraudulent inquires on my credit report. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-14
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Subject : Formal Complaint Regarding Inaccurate Information and Lack of Resolution Dear LoanDepot Customer Service Team, I hope this email finds you well. I am writing to express my profound frustration and disappointment with the handling of my case by LoanDepot. This marks my sixth complaint letter, and despite my best efforts to resolve the issues I have encountered, I have seen no satisfactory resolution. 
In XXXX, I believed that we were on the verge of closing this case as I perceived that it had consumed a significant amount of time and energy, only to have my suggestion for closure rejected by your team. Despite your consistent reassurances in your responses that you value conducting thorough investigations, it appears that my concerns and questions have not been adequately addressed, as evident from your latest response. 
This is another evidence how your team used inaccurate information and lack of resolution. In a response from your XXXX XXXX dated XX/XX/XXXX, several serious errors were identified : 1. My name was misspelled as " XXXX. '' XXXX. The salutation " Dear XXXX XXXX '' was used, reflecting an incorrect gender reference. 
3. An inaccurate citation was provided on the second page, stating, " on XX/XX/2022, LoanDepot conditional approved .... '' I would like to emphasize that I had no application with LoanDepot on XX/XX/XXXX. 
These three errors raise significant doubts about the thoroughness of your investigation and the level of attention dedicated to my case. Should you not consider offering an apology for such inaccuracies? 
ALSO, please response me how/what my information has provided to your external counsel? How your external counsel retain my privacy data?

I kindly request that you revisit my case and provide me with a comprehensive and accurate response, addressing these issues. I believe that rectifying these discrepancies is essential to achieving a fair resolution to my concerns.

I am hopeful that LoanDepot can rectify these issues promptly and in a satisfactory manner. I eagerly await your response and look forward to a more thorough investigation into my case.

Loan Depot should be aware that the 15-day response requirement is a basic requirement of the CFPB. However, based on the historical response times, it's clear to see whether you respect this rule or not. It's evident that in my cases, you have not adhered to this rule. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an outstanding medical bill from XXXX XXXX of XXXX which was from an automobile accident I was in where I was not at fault. I had several bills from multiple medical providers and thought I had paid the above mentioned bill of {$1200.00}. I received a call from KCI ( Kansas Counselors Inc ) about a week after my settlement -- Week of XXXX XXXX stating they were attempting to collect this debt. I had not received any prior information about this so I asked the representative to send me a copy so I can verify the debt and see if I have already paid it. I told them if it was valid I would pay it. Before I could even get the statement I noticed that the company put this debt out on my credit report. I told them I would pay the debt so reporting this immediately has hurt my credit. I will be paying this but I would like this to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have the Amazon Store Card from Synchrony Bank. 

I called synchrony today XX/XX/XXXX to see why my account was closed. They explained to me the reason for closing my account was because of two rejected payments. I had rejected payments on XX/XX/XXXX and XX/XX/XXXX. I didnt receive ANY warning or communication that it was going to be closed until I tried using it on XX/XX/XXXX. After getting my payments rejected both of those times, Ive immediately made my payment within days to maintain good credit history. 

I have over {$600.00} worth of reward points in this card that Ive earned and they will not give it back to me. I didnt even get a chance to redeem them. This is what Im most frustrated about!

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 2019-02-15
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was unfortunate enough to have to file bankruptcy. The filing date was XX/XX/2019. 

My checking account where my paychecks are deposited is with US Bank. 

I was expecting to receive the direct deposit today, Friday, XXXX XXXX. The funds are usually in the account first thing in the morning. When I saw that they were not there I figured something was wrong but I was not sure what. I first called my corporate payroll coordinator and she told me that everything looked good on her end and that the funds were sent as an ACH deposit like normal. She recommended I call my bank and ask for the ACH department. I called US Bank and spoke to customer service who told me that the ACH department is not " customer facing '' which I found strange. I was then told that my account had been frozen due to the bankruptcy filing. I had no idea that this was even a possibility or I would have changed my direct deposit or better yet requested a paper check from my employer. 

The amount of the deposit was supposed to be {$1800.00}. There is also a {$100.00} deposit from Thursday, XXXX XXXX that did not clear because of this freeze. 

I am assuming that the bank has a legal right to take this action, but the fundamental problem here is the fact that it was a surprise and that I was not given an opportunity to create an alternative solution. Now, what's done is done and I am without my desperately needed funds for a period of days or weeks while my company and the bank communicate and decide to send the funds to me in a different mode, whether that is a deposit into another account, or issuing a paper check. 

Over and over banks unilaterally make decisions that injure vulnerable consumers. 

This is not my first complaint to CFPB. I am hoping that someone who has some influence can do something, anything to hold these wealthy and powerful institutions accountable. Right now it is so one sided, they can do as they please while consumers are left high and dry while they figure out how to solve a financial crisis.

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