BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage by XXXX payments last year and into this. Late last month I called Wells Fargo and agreed to make XXXX payments in bulk, which they accepted. At the time, Wells Fargo wanted to schedule automatic debits to cover XXXX, 2015 and XXXX, 2015 to which I agreed. However, Wells Fargo does not have my bank in their XXXX database and therefore lacks the system functionality to schedule those debits. To which I agreed to make the remaining payments through my online bill pay by XXXX XXXX, 2015 as demanded. 
However, since that time I have been called XXXX daily by Wells Fargo Collections demanding that I schedule automatic debits to bring the loan current. I have explained to the callers at least XXXX times the agreement I have with them to bring the payments current. I have also explained to these callers Wells Fargo lacks the capability to execute the transactions through their own system limitations. Their regular suggestion that I am lying about my intentions is insulting. 
I want to bring my payments current and have done everything in my power to do so. The loan will be current by XXXX/XXXX/15 as promised. And I do appreciate the consideration I have received relative to bringing the account current. But I do n't think I should be subjected to harrasing phone calls because Wells Fargo lacks the capability to do what they are demanding I submit to, and that they can not communicate with themselves. All they need to do is listen to the records of my calls with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
XX/XX/XXXX both my credit report and husbands showed on XXXX  the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: OH
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:
This account is inaccurate DEPT OF ED/XXXX # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History and an FCRA violation. Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NC
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:
There is information and accounts listed on my Consumer Report that are Not authorized by me, which leads to Identity Theft. The information being reported are transactions NOT authorized by 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 2021-04-29
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Med-1 Solutions LLC attempted to call me at XXXX XXXX  on XX/XX/2021 XXXX XXXX  on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXX XXXX XXXXn XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 These are only the calls that come from the official numbers. They have also called from local mobile numbers from XXXX as well as out of XXXX personal mobile numbers. 
I have requested they cease contacting me until I contact them and they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was attempting to check mortgage rates on the Quicken website. When I needed to pretty much submit an application to get a rate, I exited the website. I have received three robocalls within 24 hours since then from Quicken and another loan company. The first call from Quicken was about XXXX seconds after closing the internet browser. I told the Quicken employee to remove me from their contact lists and I wasn't interested in applying for a mortgage loan. I am concerned that my phone number is being sold to illegal robocallers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: DLC, LLC
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a collection showing from dollar loan center for XXXX dollars, that I have n't received a loan from them for the amount, I have n't signed o thing and I have n't been in the store at all, I used different store and I did pay any loan I received from this store. 
This is not mine, and I want them to remove it from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
SOMETIME AROUND XXXX OF 2013 A AUTO LOAN WAS OPENED IN MY NAME WITHOUT MY CONSENT ... I WAS A VICTIM OF IDENTITY THEFT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection own my account sinceXX/XX/XXXX, *I did not receive any letter or call from them * after I called them 4 times they did not cooperate I started call them late XX/XX/XXXX * I requested more information no one response till they received letter from the court they start send letters to me. Around XX/XX/XXXX with late date on the paper *they harm my credit report for about 2 years without give a chance to fix it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Froze account because of identity these now I can't access benefits because ex boyfriend stole identity and can't get ncdl until after XXXX. XXXX XXXX XXXX Bank of America prepaid for XXXX XXXX XXXXXXXX

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 2020-09-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by 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 non-monetary relief
Consumer complaint received 2020-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 have been a cardholder for about 10 years now with Capital One and I'm on an automatic monthly payment withdrawal and have never been late on my payments. I have two credit cards with them in good standing. I recently received a copy of my credit report and noticed that CapitalOne reported from XXXX, XXXX, XXXX, and XXXX of four late payments with XXXX, three with XXXX  and three lates with XXXX. I tried to reach out to Capitolone to get clarification and no response. I am filing a complaint with you CFPB because i ran out of options and this reporting is putting a financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Us Bank closed my account on XX/XX/19.  ....  Called them on XX/XX/XXXX when I could not login to account.  Was told account was closed.  Still had XXXX in US Bank.  Went to location in TN and Assistant Branch Manager XXXX said they sent a cashiers check.  They refused to give a tracking number.  Went to branch a week later and still no check.  Was trying to be patient.  Emailed XXXX XXXX, Bank CEO, multiple times during this process.  Talked to his assistant XXXX and she said there is no tracking number for the check.  I don’t believe a bank would send out a cashiers check without a tracking number.  How am I supposed to know it was sent?  Please help a homeless veteran get his last few dollars.

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 2023-03-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the account on XX/XX/XXXX at Truist Bank and try to deposit the check through App on XX/XX/XXXX at business hour around XXXX XXXX. I have got an email from Truist Bank said thay are going to hold my check until XX/XX/XXXX with verification of check which is XXXX XXXX XXXX check for {$1600.00} which I can cash out from XXXX XXXX right away. There was no information to hold the check when I open the bank account and there is not an policy indicate this incident. Also, App didn't indicate this issue when I do mobile deposit. Normally, what i know is normal check is cleared with in a business day with other banks and I deposit the check as usual. 
I contacted bank customer service and asked them why it is hold but they said they don't know exactly why it is hold and just say it is because of verification. They are holding the money without reason for over 10 days with no interest. Also, they mentioned that if any payment come and hit my account and over draft the amount, that is going to be my fault and they will charge me the over draft fees because they are holding my fund. I have money but they are blocked my fund to use it.

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 2022-01-07
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They contacted one of my relatives by phone and email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2020-03-27
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:
I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.

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 2018-07-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX  10.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 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage statement shows " Outstanding payments, fees, and charges '' of {$15.00}. I tried to pay this {$15.00} in each of my XXXX and XXXX payments. I clearly wrote on each XXXX and XXXX payment coupon " Outstanding fees '' and " XXXX ''. However, Bank of America did not apply the {$15.00} to outstanding fees, as shown in the XXXX and XXXX billing statements.

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 2020-04-20
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Sallie Mae 's system does not allow the home address of the debtor to be different than the address associated with the debit card of the debtor. I have a P.O. box used for my debit card. This difference flagged my payment as I fraud and denied it. I could not figure out what was wrong and kept trying to pay but it kept not working. This caused me to appear late on my loan payments for 90 days and really messed up my credit. The payment is question was {$25.00} a month as I am still in school. My credit is damaged because of {$25.00}. The student loan is the first thing on my credit as I am still in school and now my score is low. I was on the phone was Sallie Mae for a few hours and got this all sorted but it seems like a fairly common thing to have different addresses ( especially for university students ) and should be fixed. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: JPMORGAN CHASE & CO.
State: NJ
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 a loan with JPMCB CARD, XXXX, and XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, JPMCB CARD, XXXX, and XXXX  XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief