BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX XXXX, My Mortgage was closed and paid off as part of a Chapter XXXX Bankruptcy Proceeding with XXXX XXXX which also calls itself Wells Fargo and does business as America 's Servicing Company. The Bankruptcy Case Number that fully cured this debt is XXXX. A notice of Final Cure of this Real Estate Mortgage was fully Acknowledged by XXXX XXXX  AND United States Bankruptcy Court XXXX District of Arkansas which was signed by Judge XXXX XXXX XXXX on XX/XX/XXXX, 2016. Even though my Mortgage debt was completely paid. XXXX XXXX dong business as Wells Fargo and America 's Servicing Company started sending me new Collection notices under several other bank names and servicing companies for the same loan. Wells Fargo and XXXX XXXX even attempted to illegally foreclose on my Home knowing that all debts on it had already been fully cured under the court proceeding. 1 ) I am asking the CFPB to stop Wells Fargo and XXXX XXXX to stop illegal monthly collections on a loan that has already been paid and acknowledged as paid in full in court documents. 2 ) I would like the CFPB to make Wells Fargo and XXXX XXXX to send a XXXX Balance so that I may obtain the Real Estate Deed to the Property XXXX XXXX XXXX XXXX, XXXX XXXX Arkansas, XXXX as the sole and rightful owner. 3 ) I would like the CFPB to investigate Elder Abuse and Fraud by Wells Fargo and XXXX XXXX for knowingly and illegally collecting on a paid debt. US Court Documents confirming the facts stated above are attached. I was taken advantage of and the victim of these financial crimes because I am an elderly XXXX man in my 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 2018-10-11
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect debt from me for XXXX XXXX and I do not have XXXX XXXX  and have never had them. I have wrote multiple letters saying this account was identy theft and have sent multiple with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent out my complaint to TransUnion on XX/XX/XXXX for the following inquiry XXXX/ XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX I have not Received any documents in a timely manner towards the Investigation

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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2020 I mailed a letter requesting investigation of inaccurate accounts listed on my credit report. No response so I sent another letter on XX/XX/2020 and again on XX/XX/2020 but I still haven't received a response. These inaccurate accounts are still 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 2018-08-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Please help. Lenders cant pull my Equifax report. Im unable to pull my Equifax report no matter which site I use. Ive tried many sites. Ive called Equifax many times & no one can tell me what the problem is. Equifax stated they dont see a problem on their end. I know its not the potential lenders fault because I cant view it using any credit report website either. Please fix this as soon as possible it is a huge inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
On XX/XX/XXXX I submitted my dispute for XXXX/XXXX and bank statement showing that I paid the collection agency ( XXXX XXXX  ) for this creditor ; therefore this balance should be XXXX. However on XX/XX/XXXX Experian continued to report this debt on my credit as charged off. This shows that they did not do a proper investigation and continuing to not follow FCRA guidelines after me providing proof. Attached is proof of payment and dispute letter

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 2018-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/XXXX, I received notification that I had a new collection on my TransUnion report. The account was from the Department of Veterans Affairs, from an educational benefits payment from XX/XX/XXXX. The original account was paid in full but TransUnion was still reporting it as a " charge-off/closed '' account & added it a collection, even after I paid it off.

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 2018-06-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender Santander bank every XX/XX/XXXX of each month automatically withdraw mortgage payment and escrow amount from my bank account to pay property tax. However I got a demand of payment letter from the town in XXXX asking for fiscal year 2018 property tax payment with a demand fee of {$5.00} and interest charge through XX/XX/XXXX of {$12.00}. The demand fee and interest charge ( due to late payment of property tax ) were caused by the lenders negligence, not because of my failure of payment. I contacted the lender with a call and followed up with an email on XX/XX/XXXX to resolve the issue and asked the lender to pay the demand fee and interest charge ( for late payment of property tax ). The lender did not respond or contact me at all as of today XX/XX/XXXX. I also got another letter from the town for another interest charge of {$33.00} ( due to the late payment of property tax ). I requested The lender be responsible to pay property tax on time and also be responsible for any additional cost such as interest for late payment of property tax in total of {$46.00} and the demabd fee of {$5.00}. I request full refund of 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 2018-10-11
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint that I submitted earlier on XX/XX/2018 on XXXX XXXX XXXX XXXX XXXX was NOT A DUPLICATE, CFPB! If a human actually reads these complaints, then you should've SEEN that! I submitted that complaint in reference to the INCOMPLETE INFORMATION THEY SENT TO ME. Please reference the complaint ID in the 'fair resolution ' section! They sent me documents that DID NOT REFERENCE THEIR COMPANY as " proof '' that I have a loan with them! I never signed a consumer agreement with them -- and they must provide a scanned copy of the original consumer contract WITH THEM ( not a copy ; in its original form ), bearing my actual signature. If they can not DO that, then they must delete the account ( s ) reporting on my credit reports. Nor did they verify or validate the addresses in the documents as 'mine ' and provide the method of verification for everything. I requested this from the beginning and did not get this EITHER. IN ADDITION, they sent me bills, statements, and itemized lists of disbursements, all of which DO NOT qualify as proof that an account belongs to a consumer! CFPB, you are being complicit in their negligence. If this continues to be denied, then I will see to it that YOU all get reported to the institutions who have control over YOU. This is NOT right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/XXXX, I suffered some serious medical complications that almost killed me. Recovery was slow and in the end, I was unable to return to my job. I faxed Navient in the spring of XX/XX/XXXX to let them know of my situation and asked for a deferment. I also sent a request electronically through their website, but I never received a response. My student loan went onto default and was sold to a debt collector, who jacked up the interest rate and tacked on a collection fee. My federal tax refund was taken to pay back my loan, which had increased from {$1000.00} to {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently moved and the only address that needs to be reflecting on my report is going to be XXXX XXXX XXXX XXXX XXXX ga XXXX ALSO the credit agencies keep lying about my hard inquiries i have disputed with both them and each individual company but yet they all refuse to comply there is no proof that these inquiries exsists and i certainly did not apply. I need to make sure that ALL HARD INQUIRIES ON MY REPORTS ARE DELETED BECAUSE THEY DO NOT BELONG TO ME!

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 2018-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a secured credit card with USAA a year ago. I set it up to automatically pay itself through my bank account, also with USAA then I had credit card fraud on my Credit card and I notified them, they canceled that credit card and issued credit back to my account for the fraud charges I noticed at that time that my automatic payments were not going through and I called. I was placed on hold so they could research but they never came back on the line. I called back on Thursday, and ended up on hold for a very long time while they researched with their back office and they came back and told me that the automatic payments cancelled when the fraud was credited back onto my account and that their system recognized those credits as payments instead of a fraud reversal credit and the auto payments stopped and nobody in USAA had identified this as an issue nor bothered to fix it. They never put the automatic payments back on, even though I called multiple times about this and this resulted in them counting me as delinquent, and now is reporting on my credit. 
I tried reasoning with them and asking how they can make me suffer consequences for fraud, which wasnt my fault, how their system recognizing fraud credits as payments is something that I as a consumer am being held responsible for. This is SECURED credit, its my money to begin with and yet not only did they charge me increased interest, and penalties, they are defeating the purpose of my even having a card to rebuild credit because of their FAULTY SYSTEM this is not ok

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I withdrew CAD {$60.00} from an ATM in XXXX using my XXXX XXXX XXXX which also incurred a CAD {$2.00} ATM fee. On XX/XX/XXXX, the transaction cleared for US {$49.00} with a US {$1.00} ATM fee refund. The exchange rate that the bank applied was 1 CAD = XXXX USD ; however the wholesale exchange rate at the time was 1 CAD = XXXX USD ( as retrievable at XXXX ) resulting in an excess cost to me of US {$2.00}. I submitted a dispute to the card issuer BNY Mellon on  XX/XX/XXXX, and they confirmed the transaction occurred at the higher exchange rate and denied responsibility. When I spoke with the dispute agent over the phone XX/XX/XXXX, she could not explain the discrepancy between the transaction exchange rate and prevailing wholesale exchange rates ; she advised she could not help me further and directed me to call the brokerage. When I called XXXX on XX/XX/XXXX, that agent also advised he could not help me and directed me back to BNY Mellon. This exchange rate was unfair and contrary to the account agreement that states in section 2.5.2 the bank will generally obtain exchange rates through Visa at wholesale or government-mandated rates.

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 2018-07-02
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is now my second complaint with the above company. In my original complaint I stated I had not received any written notification about debts and was not allowed time to dispute that debt before it was placed on my credit report. The agency agreed to remove debt from my credit in response to the complaint here on consumerfinance.gov and that still has not been done. 

Per your response. : XX/XX/2018 AmSher understands how frustrating it can be to have accounts in collections. However, we mailed the initial collection letter as required by the FDCPA to the address provided by XXXX XXXX XXXX. Since then there have been two address changes. We sent validation to each new address. Nothing came back to AmSher in the mail to let us know it was undeliverable. Attached is validation for Ms. XXXX to review. The balance is valid and owed, please contact us at XXXX to setup a repayment plan. As requested by Ms. the accounts have been submitted for removal from her credit. Please allow up to sixty ( 60 ) days for each of the bureaus to update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
Years ago when my daughter was in college I took out a private student loan through my XXXX card. The account was first purchased by XXXX, then finally in the past few months purchased by Navient. My daughter who is gainfully employed advised me she did a Release of Responsibility. And sure enough the account was removed from my Credit report to the some of about {$7200.00}. Last month I received a letter to my house advising me my daughter was {$57.00} past due, so I called Navient informed then I am no longer on the account and it has been removed from my credit report but will make the payment for my daughter. 
They then proceeded to get rude and tell me I am not removed, when clearly it had ben off my Credit Report for months. This month XX/XX/2018 the Navient account was put back onto my credit report after the Release of Responsibility for the Cosigner me ( XXXX XXXX ), had been removed. My daughter XXXX XXXX contacted the company informing them they had made an error, no one could explain what had happened. NAVIENT then proceeded to inform my daughter she would once again need to submit the Release of Co-signer paperwork, along with school transcript, my paystub, and her employment info. We keep doing this and the company knows I should not be receiving mail, or have this info on my credit report, but once again I am in the same situation. The account should be off of my credit report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Merchant XXXX made a mistake by debiting {$370.00} from my account and once I talked with them about this error I had already paid {$120.00} towards my XXXX bill they credited back the {$370.00} back into my account and now Chase bank is not honoring this transaction I was on a three way call with chase bank and XXXX and they did verify the error and now my funds is not back into my account as Chase bank did agree upon now my account is overdrawn {$450.00} now chase bank will not credit my money back into my account whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
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: Information belongs to someone else

Complaint:
I have a account on my credit file so to fraud and Im sending in my identity report because the credit breau advise me to send it in do to someone got hold of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I asked do proof that they verified with the courts that this bankruptcy was in fact mine. They have refused to provide me wit that proof. I contacted the court myself and asked how they verify with the equifax and they noted that they do not. I sent equifax the letter from the court stating that they do not verify anything with collections agencies and they still refuse to remove from my credit report. I have attached the proof I received from the court stating that they do not verify anything. Ive contacted equifax numerous times to get this bankruptcy removed from my credit file as it has been removed from the other 2 collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I answered an ad on the computer for XXXX XXXX XXXX from the XXXX XXXX company it was an introductory offer, I paid less than {$5.00} for each one I received them 5 days later, on XX/XX/XXXX I saw two charges made on my credit card that weren't made by me I immediately called the XXXX XXXX XXXX to report this the charges were {$84.00} and {$89.00} I filed out the dispute form and sent it back, they closed out the dispute without even trying to get the charges taken off, I made several calls to the Bank and got nowhere, on XX/XX/XXXX I had two more charges on my credit card the first two charges that were made I never received anything on XX/XX/XXXX the two charges were {$89.00} and {$93.00} again I called the XXXX XXXX XXXX and I filed out another dispute on XX/XX/XXXX I received a package from the XXXX XXXX company I took it to the post office and sent it back refused they received it back a few days later, I asked XXXX XXXX to remove the charges and they sent me a letteron XX/XX/XXXXtelling me they were mine so I am stuck my credit score has dropped and my life has been ruined because of this my only source of income is social security, I have sent a complaint to the XXXX XXXX XXXX and to date nothing has been resolved I am in hopes that you can help me as a result of this I have had my credit card maxed and several charges put on my credit card from the unpaid balance.

Company response to consumer: Closed with explanation