BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/23 Select Portfolio Servicing drafted a false document. The document is identified as a Escrow Closing Letter. They indicated on the letter that I requested to close my escrow account and ask that I respond, to the letter, before XX/XX/23. 

SPS action are in retaliation to my claim filed with the Consumer Financial Protection Bureau. 

On XX/XX/23, I drafted an email to SPS at XXXX indicating that I never request the removal of my escrow account and the claim is false. I made a follow up call on XX/XX/23 at XXXX. On this call, I spoke with XXXX ( XXXX ). I informed her that I NEVER requested to remove the escrow account and and I did NOT desire for it to be removed. My request was for my account to be noted and reflected as such. She advised that the escrow is scheduled to be included for the Month of XXXX. 

On XX/XX/23, SPS issued my monthly statement that reflected a balance due of {$3800.00}. The current balance for the Month of XXXX was {$1900.00}. The statement also reflected a special account contribution in the amount of {$670.00} for the Month of XXXX, but there was still no reporting of my escrow payment for the Month of XXXX. 

On XX/XX/23, I submitted my payment online in the amount of {$1900.00}, for the Month of XXXX. This payment posted to my account applying {$1000.00} towards principal and interest and {$740.00} towards the escrow account. Based on my calculations there is {$170.00} unaccounted for and misallocated. 

On XX/XX/23, I accessed my SPS account to see that they had removed the escrow for the Month of XXXX. The account reflects a balance due for XXXX in the amount of {$1000.00}. 

Because my account has not been updated to reflect the escrow payment for the Month of XXXX. ( {$670.00} ) Also, because my transaction were made electronically, I am requesting that SPS be reported to the FTC for an internal investigation. Due to the falsification of a legal document, and the removal of my escrow account, by SPS on XX/XX/23, I am request DOJ perform an internal investigation into all legal transactions. 

The actions of SPS have caused me mental and physical injury. I have lost time from work to seek out mental and physical support to deal with my XXXX XXXX  and XXXX XXXX XXXX I am requesting that SPS issue pain and suffering compensation to me in the amount of {$2500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have been pursuing a portion of the settlement agreed to by Wells Fargo and you, the CFPB since XXXX of XXXX. I submit q complain, you forward it to them, they " investigate '' ( them selves ) and find no wrong doing on their behalf, and the complaint gets closed. 
Wells Fargo continues to play XXXX, and refuse to provide information regarding their operations and administration of the settlement. Even after I've provided documentation to them and you, showing they misled and withheld information regarding a mortgage modification in XXXX. 
Now, you are once again investigating the bank regarding " equity stripping '' on mortgages. How long will you allow this dirty bank to continue to operate. They have been party to numerous investigations and found guilty of many, and settled others. Please get to the source, and make them pay what they owe to the consumers they robbed. and/or put them out of business. They are exactly what is wrong with our banking system. And at this point you are enabling them, so you can continue to fine them, and receive settlement $ $ 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am appalled by the lack of responsibility of the Credit Reporting Agencies. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX Balance Owed : {$170.00} This account has been disputed because of the erroneous information this account reports on my Credit file. How many times do I have to tell you that this account is reporting incorrect payment history? I was never late when paying with this account. I have been recording my own payment records and what they present is different from what I have. I need you to correct this accounts payment history by removing the late payments on the payment records. 
XXXX XXXXXXXX XXXX Balance Owed : {$450.00} This charge off account is reporting inaccurate balance in my Credit Report. Charge off accounts should always report balance as XXXX, then why does this account continue reporting with {$450.00} as balance if this account was already a charge off? I have been trying to correct this erroneous information and yet you have done nothing. I need you to immediately remove this account as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} I do not remember having an account with this company. I have been asking you to provide me copies of proof of ownership and yet you have sent me nothing. Once again, please send me copies of proof of verification or any documents bearing my signature confirming my ownership of this account. Inability to provide such documents should result in immediate removal of the account. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: WA
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:
Last year I discovered a false account with US DEPT ED and US DOEXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am XXXX XXXX, and this complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found inaccurate. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: TX
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 had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXX XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX XXXXXXXX XXXX XXXX, account XXXX XXXXXXXX XXXX XXXXXXXX, account XXXX XXXX XXXX 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 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 2018-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a secured credit card with USAA bank with a written agreement that I could not only use it to improve my credit score, but to also increase my savings by adding funds to the Certificate of Deposit which the card is connected to whenever I pleased. Even though it runs off of a Certificate of Deposit which I paid into, they still ran my credit, then they charged me a fee, only to then tell me that I may no longer add funds to the CD as agreed to originally due to a " banking decision '', which is a vague and undescriptive response. 

Now I am stuck with a CD that I can not increase, as to the original agreement, a laughable credit limit, a hit to my credit score, and in order for me to start another secured card with another agency I would have to suffer yet another hit on my credit. 

Is it legal for a bank to back out of a product after they have already established an agreement??

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Data Search NY, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Data Search, which as far as I know from what theyve told me, is a debt collection agency. they have continuously contacted me about medical debt after several attempts to have them stop. the last call I received a male was using harsh language and threatened to call my mother. I believe this is a violation because my mother doesnt need to know about my personal debts as I am an adult, and it felt extremely childish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TransferWise Ltd
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is regarding transaction ID # XXXX with TransferWise.com. 

On XX/XX/2018, I created an account and used transferwise.com for the first time to send USD XXXX to XXXX. TransferWise asked me my XXXX XXXX account login and password. I gave it to them, so they can use it to get the fund from it. The site showed the money should arrive in 1 hour ( XXXX ). 

On XX/XX/2018, I received an email confirming me that TransferWise has received the money ( XXXX ). 

On XX/XX/2018, I found my account has been deactivated without notice and I can't login to TransferWise.com. So, I sent email to TransferWise and they asked me to send a photo and photo ID ( XXXX ). By this time, it's already 5 days and I already gave up waiting for TransferWise and have already used a different online service to send the money. 

On XX/XX/2018, I replied I don't want the account anymore and just want my money back ( XXXX ). TransferWise asked me to check with the bank ( XXXX ). I called the bank but there's nothing the bank can do because the fund is already cleared. I asked if TransferWise has initiated the refund process or not ( XXXX ). 

On XX/XX/2018, TransferWise replied they have initiated the refund process on their side ( XXXX ) On XX/XX/2018, it's 10 days later and the money hasn't been refunded yet. So, I asked TransferWise again and provided them with a screenshot of the transaction from my checking account ( XXXX ). TransferWise replied that they're conducting a further customer due diligence check on my account and it can take approximately 60 working days ( XXXX ). 

On XX/XX/2018, I sent an email to complain they can't hold my money for that long without my permission ( XXXX ). TransferWise replied with similar info ( XXXX ). 

On XX/XX/2018, I sent another email to TransferWise mentioning it has been 2 months and I haven't received the money back ( XXXX ). TransferWise said they're forwarding my concern to the team ( XXXX ). 

Note : I also have called TransferWise regarding the issue, but they said they can't provide more info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  Have requested several times to be provided with a Statement for this debt, I have requested and they have assured me that they will be mailing a statement for my records that w ay I may know ( in writing ) the tot al owing and the payment plan prepared ( again in writing ). Both times the agents have assured me they will mailed and I have confirmed that they have the right address. Both times the agents have pushed for me to make a payment and even increase the payment amount with the assurance that they will mail me a statement but they receive my payment and dont send me any statements or debt information.   Each time I have made a request the agents have mentioned that they will provide a statement but they circle back to payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
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:
At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each 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 2023-08-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX credit card paid in full {$1400.00}. This was paid prior to the due date which was scheduled to be paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Was not notified of investigation status or results

Complaint:
XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit Experian report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.

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 2020-03-15
Company: HW Holding, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account and needs to be removed from my credit report immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/2019, an Arbitration award was awarded to XXXX XXXX in the amount of XXXX dollars for breach of contract between XXXX XXXX VS. CONSUMER FINANCIAL PROTECTION BUREAU, BANK OF AMERICA N.A XXXX XXXX and XXXX XXXX XXXX, attorneys representing BANK OF AMERICA N.A. XXXX XXXX. The property of XXXX XXXX is still being held unlawfully. My credit is still being reported as though nothing happened. I demand my credit be restored! I will now charge XXXX dollars a day until my credit is restored. This will be binding on all parties individually. Copies and proof of mailings will be provided upon request.

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 2023-03-08
Company: Freedom Mortgage Company
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The Original mortgage was discharge and account was closed. Now this current company is trying to collect as a third party collection. I sent them a debt validation notice, and have not responded to my demand to confirm the alleged debt. They have completely ignore all my demands in my debt validation notice. I requested a cease and desist until they confirm the alleged debt, and they still are harassing with letters and emails, attempting to bind me under contract.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2017-05-12
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA st ates information reporting has to be 100 % verifiable and 100 % accurate and otherwise the information must be removed under the Federal law. ALLIED INTERSTATE LL has been reporting unverifiable and inaccurate information on my credit which has damaged my  credit and I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal

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