BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo now has an overdraft policy where if your account drops below XXXX dollars, you have until the end of the same business day to deposit money to bring the account into thr positive without incurring overdraft fees. I received an email from Wells Fargo yesterday stating that my account had reaached XXXX dollars. I immediately transferred the balance ( plus {$6.00} ), from my joint account ( which is attached to that one ). Today I was notified that I had three overdraft charges because the funds hadnt posted yet. This seems like a manipulation of when specific transactions post, since there is no reason it should not have posted by now when the other transactions have. At {$35.00} each, the overdraft fees overdrafted my account again! I spoke with two customer service representatives at Wells Fargo- one who wasnt even aware of the grace period where you can deposit money into your account before the end of the business day. She offered me, at best, a courtesy of 50 % off of each overdraft fee, which she assured was the best they can do. I barely said I guess ... and then once she transferred me to a higher-up, he made it sound as though he could have had the fees reversed, but they were locked now because she put the 50 % courtesy on them. What courtesy is it to pay {$53.00} for overdrafts that I covered??? I thought Wells Fargo was sued over flaky overdraft tricks like this. Im a XXXX XXXX, and at certain times in the month my account balance is close to {$0.00}, but I am always cautious and transfer money into it immediately when I see its low. I believe Wells Fargo intentionally pushed through those three transactions before my deposits so that they could charge me three times. They should make this right and completely reverse the fees instead of pretending theyre doing me a courtesy by charging me for fake overdrafts.

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 2020-05-14
Company: AES/PHEAA
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 information incorrect

Complaint:
Fedloan servicing reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2020 Hello. 

I am trying to connect my XXXX bank  account to my PNC reserve account. PNC apparently had made changes that block me from linking the accounts. Please help seeing as I use XXXX as my main savings account. 

The only action I have been able to take is submit a complaint. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MI
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:
Received Experian Credit Bureau notification XXXX XX/XX/2020 that score increased 5 points from XXXX to XXXX. Received next Experian Credit Bureau notification XXXX XX/XX/2020 that credit card balance fell to XXXX   along with credit utilization. Received very confusing Experian Credit Bureau notification XXXX XX/XX/2020 stating that credit score decreased by 13 points to XXXX. Called several times and been held on hold and transferred 5 different times spanning 2-3 hour window. Can not seem to get answer as to why credit score decreased when balance and credit utilization decresed to XXXX. It seems that the credit score should have remained the same or -- if anything increased. I believe that Experian is in error and should fix the backwards credit score error.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a dispute to all three credit Bureaus on XX/XX/XXXX. I thought I was supposed to get something back from them by now. I've actually sent a second set of disputes to them and none of the credit bureaus have replied to those either. Its been 69 days and nothing. I want to file this complaint so the credit bureaus do their job. I'll give you a copy of the letters to show which accounts I am disputing.

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 2020-09-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/Comenity Bank failed to give me proper validation of this debt. 

I mailed XXXX/Comenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. 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 2021-01-21
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 have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as XXXX. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or 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 2018-07-13
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX ; we have had no success with Shellpoint Mortgage Servicing in trying to ascertain a modification. Nonetheless, their primary duties are debt collection ; and now they are trying to foreclose on XX/XX/XXXX. However, the Texas foreclosure procedures attached for homeowners stipulate " home equity '' loans foreclosure procedures are to be conducted " judicially ''. However, Shellpoint Mortgage Servicing is violating our rights by trying to foreclose " non-judicially '' ; and keep talking about they are relying on the deed of trust when we have not received any bills for the deed of trust and thus is not delinquent. Moreover, XXXX  is not the trustee for the deed of trust but of the XXXX ; asset backed home equity loan. This is why it is crucial for homeowners to have a judicial hearing ; Judges makes split decisions in these matters not the lender ; because Shellpoint is falsely stating a new contract is not required for a home equity or line of credit ; they are not expert in these matters and a Judge needs to make that determination not Shellpoint. Also Shellpoint 's notices of sale are completed improperly ; they do not list the substitute trustee 's address ; or list Shellpoint 's name properly as seen in the attached ; which should read : XXXX XXXX XXXX, XXXX dba Shellpoint Mortgage Servicing. Shellpoint is trying to railroad us into an illegally foreclosure ; all because as debt collectors they refuse to verify debts as required by FDCPA. Also, Shellpoint is stating 12 CFR 34.83 ;  does not apply to them ; they like to pick and choose which statutes they will follow and we need court intervention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Number : XXXX Selene Finance XXXX Attn : Customer Service Research XXXX. XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for Selene Finance Loan # XXXX Dear Selene Finance Customer Service Research : Selene FinanceXXXX/XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but Selene FinanceXXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. Selene FinanceXXXX has ignored this Notice of Error caused by them since 2015. Because Selene FinanceXXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. Selene FinanceXXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX XXXX  and XXXX ( XXXX ). Selene FinanceXXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). Selene FinanceXXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. Duplicate tax and insurance payments were made by Selene Finance/XXXX/XXXX  from 2015 to present ( for which they were refunded ). Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). Tax payments refunded to Selene Finance/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, Selene Finance must correct this error or XXXX XXXX will contact New York State XXXX XXXX XXXX XXXX at XXXX and at XXXX. As required by law, Selene Finance must provide a written respond to this Notice of Error within 30 days. All taxes and insurance has been paid by XXXX XXXX since the loan inception. Selene FinanceXXXX has been refunded for all taxes that it has paid in duplicate since 2015. Selene FinanceXXXX has never made insurance payment for Loan # XXXX. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
The lender is   XXXX   which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on  XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to   XXXX   which claim was a supervisor on  XX/XX/XXXX at   XXXX   XXXX    XXXX  and asked him why   XXXX   XXXX   is reporting a false balance and he said because  XXXX  said it.
I told   XXXX   it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -  XXXX  and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from   XXXX   and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account XXXX XXXX XXXX {$0.00} Date Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute XX/XX/XXXX it was filed with the eppi card holders on XX/XX/XXXX. But the dispute that was entered in was not the dispute I sent in. There was other things in the dispute that was not in the paperwork I sent. I had received a paper from the fraud service department and they stated that I had submitted {$1400.00} in disputes but my dispute amounts should have been {$2200.00} in total. I then reached out to the company and explain to them that this was not right I requested the papers that were used in deciding whether or not it was fraud. My dispute was never put into investigation on this call. Since I have not heard back I called again XX/XX/XXXX and put the file back into escalation. *2nd time* i was told it only takes 3 to 5 days. I called back AGAIN XX/XX/XXXX and my investigation hadn't been looked at yet so we placed it again into escalation. *3rd time* I called back today and still the same thing. Please just wait..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX contacted me regarding a debt owed to Kohls credit card by capital one. 
The amount was full of fees and other collection charges. We agreed on a amount to settle the account and agreed they would mark the account as closed on my credit. They sent a Written notification and I responded back with a check in the amount and the notification that cashing the check adheres to the agreement to my credit. Kohls cashed the check and then now reported as major derogatory/ charge off. I would have been better off not accepting the offer of full Settlement. XXXX, Kohls, and Capital One have violated the agreement.

See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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: Personal information incorrect

Complaint:
My ssn # on this credit report shows the last 4 # incorrect. Please update this info to show correct.

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 2020-09-01
Company: Experian Information Solutions Inc.
State: PA
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$20000.00} DEPT ED/XXXX   XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}

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