BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017 I attempted to make a purchase at XXXX 's in XXXX, XXXX and pay for it by check in the amount of {$630.00}. The check was declined by Certegy, the XXXX 's vendor, and I was given a phone number to call for information regarding the decision. After numerous attempts I finally spoke with a customer representative and they could give me no specific information regarding the reason ( s ) why this happened. I received a letter from them stating that the decision was based on risk profiles established by Certegy. They stated that there was no derogatory information on file regarding me-as confirmed in their Consumer file report which is attached. To decline a transaction without reason is derogatory. To provide false derogatory information about an individual is unacceptable. Furthermore, to ignore the request to provide information that was used to that individual in order to correct a mistake is unacceptable. To share this inaccurate information/decline with another company that provides similar services which may impact future transactions is unacceptable. THis information was shared to Chex Systems Inc.

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 2021-03-26
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a vehicle loan with Pentagon Federal Credit Union. I was notified by the credit union I needed to provide insurance reflecting the credit union as the lien holder on the insurance policy with progressive insurance. I provided the information on XX/XX/2021 for full coverage insurance and on XX/XX/2021, the credit union added XXXX XXXX for {$6400.00} despite the fact I have provided insurance verification with Progressive reflecting Pentagon Federal Credit Union as the lienholder. This appears to be an attempt to levy a cost to the consumer for a fictitious issue when the insurance for the vehicle was forwarded to the credit union as requested. I had called on multiple occasions to discuss the issue so I was aware of the specific requirement. I have never experienced such a mess with a financial institution and this is costly to consumers. I am curious how often this happens across the credit union for vehicle loans. I am a retired XXXX  XXXX and have had numerous vehicle loans throughout my life and have never had this type transaction. The credit union appears to be aggressive in providing other benefactors with business at the consumer expense. This transaction appears fraudulent.

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 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
We had fraudulent activity on our account. I contacted Bank of America and they would not credit the charge back or do any investigation. The did provide the sales receipt & the charge was made at XXXX in XXXX TN. The receipt had the phone # of the store & I spoke with the manager. She agreed that it appeared to be fraud by an employee and the amount was credited back. I then contacted Bank of America on XX/XX/XXXX @ XXXX we spoke with XXXX and closed the account. We got a notice on XX/XX/XXXX on regarding changing the terms of our credit, the 4 page notification did not contain a phone # you could and why would you receive a notice on an account that should not exist. Luckily I kept the records and was able to go back and retrieve my account # and a phone #. When I called I was on hold for 16 minutes and they asked for the 4 digit security # on the back of my card. I explained, when you close an account you cut the card up. They then said they had to speak with the primary card holder, Iadvised my husband was out of the country ; they said they could not do anything unless they spoke with him. I told them he spoke with them before on XX/XX/XXXXand they did not honor our request. He will call  AGAIN when he gets back to USA. In the meantime I have lost about {$200.00} in wages by tracking the  dispute and trying to get the account closed.

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 2020-10-30
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I requested my loan note from Loan Depot. They said 3-4 business days for a fax and 5-7 business days via mail. I requested both just in case one failed to happen. I waited the 7 business days before calling and trying to request again. I have continued to call and have even emailed the original loan officer with no resolution. I dont take this lightly as I am trying to refinance my home with a significant saving and this is preventing me from doing so. This is very unprofessional as they are just sending a copy of an already processed loan. Being XXXX XXXX military I dont have the time to continue to ask a company for the same document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hunter and Warfield has been calling me and being mean they could not even tell me my social security number and my last name was not even correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized charge for {$2000.00} was charged to my Capitol one credit card. I have disputed it several times even sending certified letters yet Capitol One acts as if I haven't substantiated my claim when I have done so over and over submitting the same documentation. I am exhausted trying to resolve things with Capitol One. They keep you on hold indefinitely when you I call. They have charged me interest and late fees on an unauthorized charge.They also closed my other Capitol one account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Santander Consumer USA Holdings Inc.
State: AP
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had to do a XXXX  reassignment to XXXX, XXXX on XX/XX/2019 and was not allowed to ship a vehicle. I submitted paperwork to Santander Consumer to do a voluntary repossession on XX/XX/2019 and as of the today I am still be charged monthly payments for the vehicle and it has not been picked from the location I inputted on the form I sent them in XX/XX/2019. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: MA
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:
Hi Experian ; XX/XX/XXXX; and XX/XX/XXXX ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.

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 2020-10-30
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: Their investigation did not fix an error on your report

Complaint:
I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is XXXX  making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.

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 2020-05-22
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan back in 2008 I believe and I was homeless I haven't been able to pay back but they've been threatening me with prison time if I don't pay it back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: TX
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:
The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX  and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2020-05-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a Veteran. I have a VA loan, serviced by Shellpoint. The CARES ACT allows for Veterans to ask for Forbearance. The details are outlined here : https : //www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdf I requested 180 days of forbearance. The CARES ACT States : 3. Forbearance. The borrower may request an initial forbearance period of up to 180-days, regardless of the borrowers delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrowers request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrowers forbearance rights. The borrower, not the servicer, is entitled to determine the period of the forbearance, subject to the statutory limit of up to 360 days.

Shellpoint told me I could only do 90 days forbearance, and then request an additional 90 days. This goes against what the CARES ACT states. The CARES ACT states I can  request 180 days, and then after that an additional 180 days. I contacted the VA and they said some servicers were not abiding by the rules of the CARES ACT and that my only remedy in their experience is to contact the CFPB which I am doing. 

I would like 180 days forbearance. I requested this from my appointed representative from Shellpoint : XXXX XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing Hours of Operation : 8am 5pm ( XXXX ) XXXX ( Direct ) ( XXXX ) XXXX ( toll free ) XXXX shellpointmtg.com

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 2017-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened a Trust account for the co-Trustee of my father 's Irrevocable Trust. My father passed on XXXX XXXX, 2017 and a life insurance payout from XXXX XXXX was issued for the XXXX XXXX Irrevocable Trust. I, XXXX XXXX, am a Trustee of the Irrevocable Trust along with my brother XXXX XXXX. XXXX XXXX informed me the payout check in the amount of {$620000.00} was deposited/cashed at Wells Fargo. My share of this check is $ {$310000.00} as per the Trust Agreement. I went to Wells Fargo to inquire how the check was cashed without my signature or knowledge. The branch Rep. XXXX XXXX at Wells Fargo informed me that my brother opened an account in the name of the XXXX XXXX Irrrevocable Trust and had listed me as Survivor instead of Trustee and I had no access to the account. I provided the Trust papers confirming this account has incorrectly listed me as Survivor instead of Trustee and the branch manager reviewed the documents and confirmed this to be true. The branch representative called Wells Fargo Legal because I requested they correct the account and list me as Trustee or freeze the account until it was corrected. I emailed the Trust papers to the Wells Rep. and she forwarded it to Wells Fargo Legal while I was at the branch. Wells Fargo informed me there was nothing I could do and I must obtain a court order to obtain any information or make any change to the account. I had to pay an attorney {$4000.00} in order to obtain my share of the Trust. I also had no way to know if that money was taken while I waited for my brother to respond to the attorney. I returned to Wells Fargo on XX/XX/XXXX to inquire if the money was still in the account and they again refused to make any changes or release any information. Wells Fargo fully acknowledged the account was incorrectly opened based on the Trust Agreement but refused to make any corrections or place any hold on the funds. Wells Fargo opened the account without proper documentation and by refusing to correct the error cost me {$4000.00} in legal fees. I would like to file a complaint against Wells Fargo for costing me {$4000.00} even though they acknowledged this account was incorrectly opened. Thank you.

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 2020-12-10
Company: FIRST HORIZON BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX, I discovered that a check I had written to XXXX XXXX ( Ck XXXX dated XX/XX/2020 in the amount of {$1700.00} ) had cleared my Iberia bank checking account the day before, Friday, XX/XX/XXXX. 

Mr XXXX never received the check, and someone else cashed it. ( The endorsement showed only an initial, so I assume it was deposited directly into the thief 's bank account. ) I immediately notified Iberia Bank. 

The following Monday, someone from the XXXX branch of Iberia ( where I bank ) called and I confirmed that the check had been stolen. She requested that I come to the bank and sign a formal complaint stating that I would prosecute the thief. I did. I also asked to be notified of the bank 's findings. 

The next day, she called and said the bank had deposited {$1700.00} back into my account, but she was unable, or unwilling to give me any further information. 

She also advised me that the bank has no fraud investigation department, so there is no way to find out what happened. ( Mr. XXXX needs to know if someone is tampering with his mail, and I need to know who to prosecute. ) This is a serious federal offense, and surely the feds need to take action against the thief.

Please let me know how to proceed. In my opinion, Iberia had no business cashing this check without securing proper identification.

What is my next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On I received paperwork from this law firm stating I had so many days to respond in order to set a hearing. These poets said I had to wait so many days to call. I followed the instructions and called after the waiting period, but before the deadline. When I called in I stated I was calling to figure out how to respond to some papers I received, because there was nothing attached for me to fill out and mail in. The person on the other line was a debt collector. She told me that me calling right now was responding, but instead of giving me option for dispute and to have a hearing, told me that a judgement was to be filed the following day, and that I was at risk for garnishment and legal actions. She told me we could set up payments to avoid that. And gave me my options. At no point was I given the opportunity to dispute or to have a hearing. Just threatened with legal action and garnishments. I proceeded to agree to the payments to avoid the judgment they were going to file against me. They then proceeded forward without notification that I did call in and respond within the allotted timeframe, so a judgement was granted. I called back to discuss this, I verified my information, and then handed the phone to my daughter to discuss for better understanding of what happened. The debt collector then yelled at us that it is illegal to pretend to be the debtee, and that she would need to speak with the debtee to move forward. When I literally just verified my information and handed over the phone. I confirmed who I was a second time and gave my daughter permission to speak. At that point the debt collector stated I was served, and that I called in within the allotted timeframe, but that we just set up payments in that call instead of being given option for dispute or hearing. I was fully misled and conned into agreeing to payments I can not afford because I wasnt given an option otherwise. My right to dispute was voided when this woman told me I had no choice but to establish payments to avoid legal consequences and garnishment. After which point they entered a judgement anyway and said I didnt attempt to respond. WHEN I DID! I requested to hear a recording of our first call and was told management could review it only and they would reach back out. I need to receive my right to dispute in court or this needs thrown out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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: Information belongs to someone else

Complaint:
Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question

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 2018-09-27
Company: Paypal Holdings, Inc
State: MO
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:
Fraud charge from my XXXX  credit card to PayPal XXXX for {$720.00}.

Company response to consumer: Closed with explanation