BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: CT
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 have made several attempts with zero responses from the bureaus. I sent first class mail on XXXX/XXXX/20, XXXX/XXXX/20, XXXX/20, XXXX/XXXX/20, XX/XX/20 and XXXX/XXXX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Every so for time I out money in my pay pal account or someone wants to pay me they pay me then limit my account so I can get to my money they are constantly taking my money and not letting me take it out I have had this account fir years and im tired of it I want my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, XXXX XXXX, as well as the credit reporting agencies with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i was at homedepot in XXXX ca trying to use my commercial account with homedepot for a purchase of giftcards for a project my company was handling the head cashier called fraud departrment alerted them i was purchasing giftcards and the fraud department called every person listed on the corperation hey did u know that XXXX XXXX is purchasing giftcards every member of our company verified it so then fraud department told head cashier we couldny purchase giftcards with commercial acct no problem i will do purchase order over phone fraud department got mad and put block on account after i made purchases ... .. a week later then they are saying purchases need to be verified no problem lets verify them well we left a reference code on a phone number ok well we no longer have those numbers ok well the only way this can be verified is threw a number thats listed to company thats what i was told from fraud department consumer protection so then i said well when we opened acct those are numbers that where provided and they werent associated with company only members of company well sir we left messages with a reference number for this matter well what number did u do that with cause u said my company phone number are not verifiable to company so u can leave a message with reference number to this matter on those phones but u cant verify phone numbers that were givin when acct was opened i said im not understanding was also told that a letter was sent out which was all lies what going on here is that we have a closed account with citi bank XXXX XXXX and it has a balance and they are punishing us for non payment of said account it has nothing to do with purchases on homedepot account we have had this account for going on 2 years plus if there was fraud it would came up a long time ago and also i feel that there is discrimination going on here because im XXXX XXXX and that was a high fraud area from XXXX XXXX is what i was told but they wont unblock account no matter what we do ... ... ... ... ... this has been going on for 3 months also i have made several payments on acct

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 2018-06-11
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We sold our home ( officially closed ) in XXXX  on XX/XX/XXXX for {$300000.00}. At the time of the sale, our realtor provided the mortgage company with our new address in XXXX to send our escrow refund from the sale of the house. The mortgage company ( RoundPoint Mortgage ) got their check wired to them on the day of closing., When we called the mortgage company about 15 days after closing, they indicated it would take about 30 days to receive our escrow refund, suggesting we would receive the check by XX/XX/XXXX, but we were sure to make sure they had the correct address in XXXX. Nearly one month after closing ( XX/XX/XXXX ), we called the mortgage company again, but this time they indicated they sent the check in the mail to the wrong address ( home we sold in XXXX, not the home we were now living in XXXX ). They apologized and said they would send our escrow refund ( ~ {$3000.00} ) to the correct address within the next 30 days and promised us we would receive our refund by the end of XX/XX/XXXX. The end of XX/XX/XXXX came and we still had not received a check. We called the mortgage company again ( for the third time now ) attempting to track down our escrow refund. This time we were kept on hold for over 30 minutes after we requested a check number since they told us the check was indeed in the mail. However, this time they promised us that we would receive the check by the middle of the next week ( Wednesday, XX/XX/XXXX ). We did not receive any check in the mail and are very frustrated with this process. The mortgage company had no problem doing auto-debit from our checking account to get their money every month, and they got paid the day of closing, yet here we are more than 2.5 months later and still have not received our {$3000.00} escrow refund that we planned on using on our next home to buy. Every time we call the mortgage company we get a rep that indicates no manager is on duty and we do not know who else to contact to get our money that is rightfully ours. Any assistance would be appreciated.

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 2019-10-22
Company: Atlanticus Services Corporation
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: Information is missing that should be on the report

Complaint:
My husband is an authorized user on my account has his own card with his name and they will not report to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). OnXX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact Equifax, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: TrueAccord Corp.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received this email, and I have never received one from this company before, contrary to the language within it. I have also never received any phone calls or letters in regards to this alleged debt. I am currently experiencing a household member going through a critical medical situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified reported me for a debt that is not mine and reported me at an address that is not mine. They refuse to remove it. I only found out about this because my credit score went from XXXX to XXXX. The fraud account is for {$320.00}. They are willing to cost me money over their fraud because now my score is low. I was never contacted in anyway about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BMW Financial Services NA, LLC
State: GA
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:
I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both XXXX  and XXXX credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with XXXX XXXX XXXX. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both XXXX and XXXX  and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on an email. After receiving  the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off US Bank Polaris Visa in XX/XX/XXXX, I was told at the time that I had earned enough points on this card to get a {$120.00} rebate. The operator suggested that the card remain open in order to redeem the points. I did so. I waited a couple of weeks and no check was sent in mail. I called US Bank and asked again about status of redemption and was told again to keep card open for 6 months in order to get the {$120.00}. In XX/XX/XXXX they sent a letter referencing a gift certificate. In XX/XX/XXXX, I got a letter saying that the account was was past due. 
Today, I was on the phone for an hour with customer service which tells me the card was used in XX/XX/XXXX with a charge of {$5.00} ( a gift certificate? ). And there is now an past amount due of {$26.00}. This card has not been used by me. I asked that they close out the account now and was sent to 4 different people with lots on hold time.  Eventually, they transferred me to a survey asking how well they served me, and was then disconnected. I called back and spoke again to the collections section, saying to cancel this account. XXXX who has no telephone extension tells me the account will be cancelled in 24-48 hours, but gave me not confirmation #. I do not believe her and think US Bank Polaris Visa is a shady operation that will spin the fake {$5.00} into more and more money and mess with my credit rating in the process. Please Help

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 2018-12-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.

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 2020-12-14
Company: Flagstar Bank, N.A.
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Flagstar Mortgage, has not paid my hurricane insurance. My insurance was cancelled XX/XX/2020. They withheld the insurance each month and they were supposed to pay it thru the escrow account. They cut the check on XXXX XXXX but it did not arrive according to my insurance company. I was following up with my insurance company since XX/XX/2020 because this has happened in the past with Flagstar. My insurance is still not paid and I have not had hurricane insurance since XX/XX/2020. I have talked to numerous people at Flagstar and they said the check must have been lost and they had to wait to ensure the check did not get cashed before they reissued. Then they said that the check was returned to them and they would have to reissue. Not true! They finally reissued on XX/XX/XXXX but the check has still not reached my insurance company. I had applied approximately two years ago to be able to pay my own insurance as they have messed up the payments before but Flagstar denied my request. So they take my money and don't pay my insurance and my insurance is cancelled. I have spoken to numerous individuals at Flagstar and they are rude and have even hung up on me and they have lied to me. One individual was trying to help me. Her name is XXXX. She was in on several calls that I made to various supervisors and can witness that they were rude and not helpful at all. I am concerned that they have a pattern of taking advantage of veterans and using the escrow funds for other bills and then don't pay the insurance.

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 2020-07-05
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Request to update personal information with handwritten letter regarding my identity and I havent received a phone call, email or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX  has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX  not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft

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 2022-08-08
Company: EQUIFAX, INC.
State: IN
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 XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writtensinstructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred money {$100.00} through XXXX via my bank Wells Fargo to someone who was supposed to give me tickets, they scammed me and went silent right after I sent the money. I called Wells Fargo, and they said they could not do anything to help me. There is nothing safe about XXXX, and if it is backed by your personal Bank they should be able to stop fraudulent payments especially if they have access to the other users bank information, I called Wells Fargo 5 minutes after I realized what happened. 

XX/XX/XXXX is the date of the incident Confirmation # XXXX {$100.00} in payment is what was fraudulent I called Wells Fargo to ask for help, they said they could do nothing.

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 2021-05-03
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint mortgage, like all mortgage companies, is required to refund my overpayment to me within 20 days of closing. They took 34 days to write and mail my overpayment check and I still havent received it 6 weeks after closing. They say I need to wait for it to come in the mail still and that they had trouble getting them out in a timely manner because of some escrow review issues they were having in house - not involving my loan specifically because I dont have my taxes and insurance escrowed. They got all the checks out late last month which is unacceptable.

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 2021-05-04
Company: Southern Management Systems Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
We had contacted Southern Management Systems multiple times to try and settle a debt and the case manager gets mad at us and starts XXXX us out demanding we give her her money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I pursued a fruitless attempt to apply for a loan modification and assumption - which resulted in CFPB complaints XXXX and XXXX During the review of those complaints, it became apparent there was no hope of getting any result from Wells Fargo and I withdrew the applications for modification and assumption. I also, as the XXXX of the estate which holds the mortgage, requested covid forbearance on behalf of the estate, which has suffered economic setbacks due to the pandemic. My first attempt on XX/XX/XXXX resulted in an hour-long phone call in which the representative continually deflected my request and attempted to cajole me into continuing with the pointless modification. When I steadfastly refused, he claimed the request would have to be reviewed by the loan investor. That is blatantly false, and in conflict with both the CARES Act and XXXX XXXX guidance. He further claimed I would hear back for " confirmation '' by midday the next day. No further communication was received. Therefore on XX/XX/XXXX, I called again and made it clear - again - my applications were withdrawn and the estate was requesting forbearance. The representative appeared toprocess the forbearance request. However, the letter received indicated I personally had requested and received the forbearance, which is not correct and more importantly not sufficient for administering the estate. Further, I received no documentation that at my request the modification and assumption applications had been withdrawn and were fully cancelled. Upon receiving the XX/XX/XXXX letter ( on XX/XX/XXXX ), I immediately alerted XXXX ( XXXX ) different XXXX of the unacceptable nature of the letter and the need for written documentation of my requests for withdrawl/cancellation being satisfied, I received nothing until today ( XXXX ) in the " response '' to the previous complaints. What is provided is not acceptable. A letter documenting the XXXX has been granted forbearance must be issued. WF was only too happy to play games about the estate being the holder of the note when it suited them. They now need to follow the same rules when it doesn't. Further, they need to provide clear and concise documentation that at my request, any and all applications for modification and/or assumption of the loan by me have been withdrawn, and the note and associated account remains solely with the estate of 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