BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I placed several stop payments at Wells Fargo Bank because I no longer was working and was no longer receiving funds. The banker in charge f my account waived all the stop payment fees and stated that he would not pay the XXXX XXXX item that was pending. Unfortunately it did get paid and my account has been overdrawn since then. I filed a complaint before however they are not taking into consideration that the banker in charge of my account stated that he would NOT pay the NSF item as it would overdraw my account. I have called wells Fargo Bank and complained again as I have not received any correspondence from them on this complaint. The new complaint number is 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 2023-06-29
Company: EQUIFAX, INC.
State: TX
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:
these unathorize inquiries was open without my permission XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bought 4 bottles of oils from a company called XXXX XXXX for {$170.00}. I never received the oils. I received 3 empty bottles and one bottle of a smelly, cloudy liquid that was not oil. On XXXX XXXX website it says money back guarantee. I communicated with them regarding a refund, and they said yes, they sent me a return label. I returned the empty bottles. They said that they deposited my refund of {$170.00} into my KeyBank account on XX/XX/23 but I have not seen the deposit. And it's not on my bank statement either. Key bank is telling me that they have not seen the deposit either. I opened up a dispute with key bank and they told me they would do an investigation. I communicated with XXXX XXXX again and they said that the reason we can not see the refund is because I opened up a dispute. I spoke to the bank, and they said that we are able to see the deposit even with the open dispute. So, I communicated again with XXXX  XXXX and they said that key bank is lying, that they are incorrect, and that key bank has my refund. Key bank is saying that they do not have my money. 
Key bank has denied me. The reason they gave was because they say that I authorized the transaction. I told the bank that I was maliciously lied to, I was deceived. I was scammed. That this is deceitful fraud. 

XXXX XXXX is making an unjustified criminal claim that they returned my money back into my KeyBank account refund Refrence deposit number XXXX On XX/XX/23. 
But they have NOT. And the bank has a document that says XXXX  XXXX refunded my money into my bank and they also have the screenshots of the texts of XXXX  XXXX saying this as well. 

XXXX  is fraudulent, they are also making an unjustified criminal claim that they did send me the product I bought, BUT they did NOT, they were EMPTY bottles!!!! 

I have sent Keybank many emails and have called Keybank on the phone many times regarding the company XXXX XXXX being fraudulent and deceiving me on purpose. I have sent key bank documents, pictures, texts from XXXX  XXXX as proof and I will sent them to you as well. 
I asked key bank for a chargeback. A reversal of {$170.00} to be put back into my bank account but they denied me. I asked for the case to be reopened on XX/XX/23 but I am afraid that they will deny me again. Please help me get a chargeback from key bank due to fraud, being misled on purpose and lied to. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent certified letters since XX/XX/2020 requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. I also have attached your responses on 2 separate occasions via the CFPB portal. In either response did you provide sufficient documentation. I have also attached the required documents. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
global lending services denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX and TransUnion correct and remove this inaccurate info 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 2022-10-04
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage helped me with a Loan modification due to Covid-19. Once my Forbearance was over I received a Promissory Note that I had to sign and get notarized detailing principle amount, Unpaid principal amount, new principal amount. It also stated the new balance with interest rate the same at 2.750 % beginning XX/XX/XXXX. This promissory note is on file in my statement section with Freedom Mortgage dated XX/XX/XXXX which I assumed is the day they received it since I had it notarized XX/XX/XXXX So after a few months after I haven't seen any changes with my account still stuck in lost mitigation. I called and they said something was wrong with my name in the system and that it was taking longer than expected to move on from lost mitigation. I did continue making payments with my new monthly payments based on the information on file with my modification based on the adjusted amount and interest at 2.750 % I called again asking what is taking so long and someone from freedom mortgage said that the account was being held up due to that spelling of my last name. However once he looked at the paper work the person stated that was no error on the paper work and my name was correct. If I remember correctly he said that I should receive last documents to sign to finalized everything. 

Once I received paper work some time in XXXX and due to my schedule I barely made the deadline to mail them but I did without reading it as I should have cause the final paper work did not match my Promissory note with the interest rate now 2.990 % When my account was out of lost mitigation I did notice the interest rate change. 
I called immediately to inquire about this and I was told on two different occasions that this was an error and they would sent it to the higher up management and to expect a call one this was done. NO one ever called me so finally today XX/XX/XXXX Someone told me is would not change back to the 2.750 % and it will be 2.990 % Called back after reviewing paper work and I knowing I was told and in writing the interest rate would remain at 2.750 % along with it being wrong I was told but another person she would submit my concern about the promissory note with the original agreement I made the Freedom mortgage. Was told that they cant promise another outcome but would note that originally there was a hold up on my paper work with name spelling but that was never the case and the promissory note did state the agreed 2.750 % .... I have to call back Tuesday to see the outcome. 

Truly frustrated that the modification did change due to them prolonging this process when back in XXXX a agreement was made and but they said my last name was wrong on paper work when it was not. I was told this would be a simple process and now It doesn't seem 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 2021-02-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
While processing a refinance mortgage with Freedom Mortgage on multiple occasions they provided inaccurate paperwork and broke the terms of the closing documents. First, after requesting a mortgage without an impound/escrow account, Freedom Mortgage sent a set of summary disclosure forms with an impound/escrow account included. We refused to sign and Freedom Mortgage eventually sent a set without the impound account, which we sign and should be on file. Later Freedom Mortgage sent closing documents with the impound/escrow included, against our will. 

Weve spoken with representatives with Freedom Mortgage, filed a complaint on their messaging service, indicated we wished to cancel the refinance and have forwarded emails as requested. Its been XXXXour weeks and we have not received a reply or follow-up from Freedom Mortgage. In fact, per the closing documents the first payment wasnt due until XX/XX/2021, but regardless of our request to cancel the refinance, Freedom Mortgage closed our previous mortgage and deducted a payment on XX/XX/2021. 

In fact the only communication we have received from Freedom Mortgage was the result of a previous complaint we filed with your agency and in that response Freedom Mortgage failed to mention that they had not addressed our main complaint or broke the terms of the closing documents by processing a payment before XX/XX/2021. Instead, Freedom Mortgage only offered to refund a portion of the pre-payment fees they charged for including the impound/escrow account against our will. We have been very unhappy with the service provided by Freedom Mortgage and would prefer to work with a different company. If that is not an option, we would prefer that our refinance be processed as originally requested and that we receive a full refund of the $ 9000+ pre-payment fees ( impound/escrow ) that Freedom Mortgage included in the mortgage against our will.

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 2018-07-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
SallieMae student loan $ XXXX, paid monthly payment terms ahead of schedule ; but their disbursements to the school were late and the school kept informing us that payment wasn't received- then when we called Sallie Mae we continued to get the run around. In XX/XX/2018 called Sallie Mae to see what the issue was and the customer service rep named XXXX just kept putting me on hold for several minutes supposedly while she looked up the account but each time she would come back on the line to stall and say that she was looking something up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
While I am at work the collection agency repeats calling me during working hours about a hospital bill. I have not yet received any notice from the hospital explaining the bill in question, so I can provide medical insurance information and have my insurance pay for the bill or whatever needs to be covered by the insurance company. They just outright put me through collections without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi NRA ; How r you? You are reporting wrong, incomplete, and unverifiable info on my credit report. This account was on my credit before and I had disputed and it was deleted. Now it re-appeared with the wrong open date of XX/XX/2020? What is the 1st date of delinquency of this account? This is causing this account to illegally re-age the way it's reporting and it's a violation. 

Basically, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from my XXXX  from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-02-22
Company: I.C. System, 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:
Again, my request for payment history went ignored. And now I see this company is continuing to illegally charge fees.

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 2021-02-24
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, my XXXX  Citi card account was closed claiming I did not renew my XXXX membership. I do currently have a XXXX membership. However, I got a new XXXX membership number in XX/XX/XXXX. Since I got a new membership number, I have had no trouble with my account or using my card until I received the XX/XX/XXXX, letter in the mail from Citi saying my account was closed due to my XXXX membership not being renewed. Furthermore, I received no notifications that my account would be closed prior to the XX/XX/XXXX letter, though I was told an email was sent on XX/XX/XXXX, giving me 60 days to renew my membership. I have had this credit card for approximately 19 years and am very disappointed to have lost my oldest credit account and the {$100.00} in rewards I had accumulated but not been paid. So far, I have made four calls to Citi and spent a couple of hours of my time trying to get my account reopened. The last account executive I spoke to informed me that I would need to apply for a new credit account which meant authorizing them to pull my credit report and declaring income, etc. I feel this is an error/miscommunication between Citi and XXXX, and I am the one that is suffering the consequences.

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 2020-05-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX XXXXXX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I was supposed to stay at the XXXX XXXXXXXX XXXX in XXXX from XX/XX/XXXX - XX/XX/XXXX. My trip was from XXXX, XXXX, to XXXX. 

On XX/XX/XXXX, the XXXX XXXX told me I'm unable to enter XXXX due to a lockdown. See news : https : XXXX. Immediately, I called the hotel in XXXX and XXXX to ask for refunds. I was given by XXXX hotel, but not the XXXX XXXX hotel in XXXX. Because of the lockdown and my train tickets, I was unable to leave XXXX to go to XXXX and hence, was unable to enter XXXX. Going to XXXX would require me to pay additional fees or an extremely high-priced plane ticket. The hotel refused to refund me due to an unexpected lockdown that prohibited me from traveling there. 

They refuse to give me my {$340.00} back. 

I have filed a billing dispute with Bank of America. After speaking to their customer representative, they told me the merchant was still fighting the refund and the representative did not assure me the dispute would be resolve in my favor. They seemed to side with the hotel despite the fact that I was locked from entering the country via the train I was supposed to travel on. I also told the representative I had proof of documentation, but said I could not upload it or send it along. I'm very worried Bank of America won't be in my favor on this issue and want to express my concern. The call with the customer service representative did not put me at ease and they did not communicate that they would advocate for me despite the fact that I was affected by the lockdown and hence could not travel to XXXX. 

I need my {$340.00} back due to an unexpected circumstance, as described above.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief