BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The month of XX/XX/XXXX I discovered that Capital One had closed 2 of my credit cards due to Identity Theft that took place over the week of XX/XX/XXXX with fraudulent charges made, use of rubber payments to create more credit for them to use to make charges on my cards. Capital One closed these cards and reported it to the credit bureau 's as closed by them, but not for identity theft. I opened a fraud case with them which they have now closed stating it was not fraud, however it was. My SSN was stolen, I filed a police report with the XXXX Police Department in XXXX, NE. They did nothing in regards to my SSN or my credit cards being hacked into. 

It is VERY apparent that my cards were hacked into. However Capital One will not take blame for this, they will not reopen my cards, and they will no longer review this case as they have closed it apparently. I feel I have been failed by my local police department, the government, reporting bureau 's, and the credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I called American Express to downgrade my credit card to a no annual fee Delta Credit Card. American Express agreed to issue the no fee card to replace my current card and to refund me the annual membership fee just charged to my account. My account balance was {$95.00}, which was the annual fee amount that was to be removed. Several weeks later I checked and the fee rebate had not been processed, so I called on XXXX XXXX. I was asured there was no problem, the refund would be made automatically, and they agreed that I did not have to pay my balance ( which was the refund amount ). On XXXX XXXX, I was charged a {$27.00} late fee. When I called and requested that the late fee be removed from my account and that the bank send me a letter stating the late fee charge was a bank error. They agreed to remove the late fee, but would not provide documentation that the fee was in error, since the balance = the refund due that Amex had yet to process. Two days later I again got an e-mail notifying me that I had not paid my balance. I called again and got the same run around. I was told it could take Amex 45 days to process my refund, and if I received additional late charges I could call and go through the story over and over again with the new customer service person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo credit card I was authorize person, my name is already off from Wells Fargo but still appear as Im still authorize person in credit report. The one that has a credit line if {$17000.00}

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 non-monetary relief
Consumer complaint received 2019-09-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
FedLoan servicing can not provide me with any options for paying my loans. My income is too high for income-driven repayment, but my debt burden is too much to make another {$1000.00} payment every month. I have called countless times to try and work with them, but I just end up going into forbearance. It's about to drive me to XXXX, since my credit score has gone down due to missed payments, and they will not make a Goodwill adjustment despite having kept up with them for the past four years, so my credit score isn't high enough to refinance. I don't know what to do. 

Also, it's disgusting that they along with XXXX encourage XXXX XXXX XXXX to take out this much money when they have no idea what they're getting into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We were gravely impacted by hurricane Harvey that hit XXXX. On XX/XX/XXXX, the first floor of our home was completely lost resulting in the policy limit amount being paid to our mortgage company, Pacific Union Financial in XX/XX/XXXX. Our family was forced to cash out all retirement accounts and savings in order to begin construction on our home and prevent further damage in the amount of {$21000.00}. We did not receive a building payment from Pacific Union to repair our home until XX/XX/XXXX in the amount of {$49000.00}. Following this payment, and in the process of attempting to secure another payment to complete construction of the property, Pacific Union transferred our loan and I was informed by the XXXX XXXX  ( Loss Draft Associate ) that I would no longer be able to continue progress on my home until I could contact the new mortgage company and my escrow account could be moved. We have now been living in a hotel for close to six months and this company has postponed, delayed, and impede every attempt our family has tried to make in recovering from the hurricane damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
wells fargo sent me a package for a loan modification after the covid relief. the paperwork said if it was not returned and payments not resumed that foreclosure process would start after the XXXX of XXXX. the paperwork had my ex-wife 's name on the account. i sent my divorce decree, something wells fargo knew when they processed the hamp mortgage in 2014. 

XXXX XXXX from wells fargo calls me today, tells me she has no answer. she does not know when my paperwork will be corrected. she does not know if wells fargo will put me in foreclosure. she does not know if wells fargo profited off of the covid relief that i participated in. she does not know how to fix the problem. 

i sit here not knowing if wells fargo will try and collect XXXX for all my past payments, or put me into foreclosure, after wells fargo changed the verbal agreement with me regarding the covid relief. 

i have XXXX from being XXXX  XXXX XXXX in a XXXX. i used the hamp program to save my house previously, now, i have struggled for weeks with my mental health due to wells fargo changing the covid relief program and providing me with no answers, after sending a letter that stated a foreclosure may occur if my paperwork is not completed and returned by XX/XX/XXXX. which, of course, can not hapen due to wells fargo incompetence. now, my paperwork has no time frame to be returned. my payment is supposed to resume, but i am left with the feeling i will lose my house, even if i resume paying. 

i have no control over my XXXX and the thoughts of losing my house. wells fargo entered into a verbal agreement with the covid relief. wells fargo refuses to work faster due to my XXXX, after i made a reasonable request under American with Disabilities Act, that I would like to know facts of whether I can start my payments, or whether my house will go into foreclosure and whether the covid relief we verbally agreed to was a lie. the mental distress is unbelievable, and wells fargo is to blame. 

i have been mistreated by this process, and wells fargo refuses to follow a reasonable request under the ADA

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 2017-11-19
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months. 
This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Account information incorrect

Complaint:
Experian is reporting a discover card account inaccurately. I asked that they remove the account because it has been reportedly inaccurately for some time which they would say it was accurate. I have my credit report which shows the account reporting differently on both I asked that the account be deleted yet they tried to update the account open information. I ask that th account be removed from my credit report the last time I disputed the account was in XX/XX/2021. XXXX only sends letter verifying the account open day yet no information about close day, last pay. So how has this account been verified or investigated?

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 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I checked my credit report today, XX/XX/XXXX and noticed inaccurate reporting by the XXXX XXXX XXXX for my student loans for the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was ENROLLED in school, which meant i had an IN-SCHOOL DEFERMENT. There were no payments due at the time that was enrolled. I have never received any correspondence about a late payment.

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 2021-10-23
Company: EQUIFAX, INC.
State: MD
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:
There is some personal information on my consumer report that I have no knowledge off and i would like the personal information removed, See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
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: Problem with personal statement of dispute

Complaint:
During the month of XX/XX/XXXX, I submitted a request for a XXXX adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife passing away on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: NY
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:
Hello I am having a few issues with XXXX, XXXX, and Experian. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.

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 2018-01-31
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have never been this stressed out and upset with a process, it is absolutely unacceptable that my income is not being used even though Im providing proof of my income. It has been difficult to contact the specialist from Fay Servicing on my case which is XXXX XXXX. I have an organization helping me and they have not had any luck contacting her either. I have gone to the office of the people helping me and when they call Fay Servicing XXXX XXXX is either out of the office, or she has the flu or she is on another call. I ask for them to send her an email to call me or the organization helping me and they have not. XXXX XXXX supervisor has not contacted us either. The reason for all of this is because I want to know why for the third time they are not using my correct income. One of the times I was denied was due to me not circling my rent deposits on my bank statments as stated by XXXX XXXX. How absurd is this? Now I circled my rent on my bank statements and I sent everything over and they denied me for having low income. When I called in and asked what was the verified income they used to review my case I was informed by another Fay Servicing agent that the income used was {$1300.00} of course I am going to get denied because I dont receive this in rent. I receive more than {$6000.00} in rents. They are still not using the correct income. I dont want my home to sell and its become so stressful I have ended up in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: VA
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 have tried disputing inaccuracies on my personal credit report via mail and phone. I have not been responded to. Anytime I reach out via phone, Im asked to identify myself but given very vague questions, not multiple choice, and fail the identity verification. Ive sent in my ID and social security card. I spoke with XXXX at Equifax agent ID is XXXX, whom I asked for help but was unwilling to assist, XXXX also could not assist me. No other manager was available. I have tried to access and dispute this information without success from Equifax. 

I have asked how do I know that the agent is typing the correct answers I give into the computer correctly? Its very hard to understand them in XXXX. This has been a complete disregard for assistance in correcting my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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: Account status incorrect

Complaint:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XX/XX/XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XX/XX/XXXX is and has always been in good standing but XXXX is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good evening, I recently opened an account with a company called Coinbase.i gave all of my information via the internet i.e. Proof of I'd, bank details, address etc. All was ok. 
To verify my bank account they asked for a small amount to be deposited which I did, after three weeks of trying to get in touch by email and phone I have given up. The last email I replied to I sent a copy of my bank statement showing the money had left my bank account, my bank also confirm it has gone into The coinbase bank account. I had an email from a gent called XXXX who said it would be sorted out, but still not. My bank is still showing unverified on my coinbase account so am unable to transfer any of my money from them.I am a XXXX citizen and am regulated by the XXXX. Who regulate finance and banking within XXXX and in my line of work this would never happen. Please can you assist as I'm running out of patience. 

Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My Wallet was stolen with all my information in it including id and debit cards, credit cards. And today I received an email that someone had open a jp chase account today XX/XX/21 under my name using my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I am writing again because recently I found account that its not mine. Also the most interesting fact here is that only two bureaus reporting inaccurate information. I DO NOT RECOGNIZE IT AND THIS ACCOUNT IS NOT MINE! Once again I write to you because I want you to make investigation and delete it from my report once and forever. You know life is unpredictable today and if we have these issues with error reporting what else we can expect from the life? You know that system is interconnected and I can not simply take loan because this wrong item reporting there. 

PLEASE HELP ME AND REMOVE IT FINALLY!

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 2020-11-09
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 {$930.00} I attempted to call this company I have zero knowledge of this account and it needs to be removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX  has the following : XXXX/XXXX-XXXX XXXX XXXX XXXX   TOWER LOAN-XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX has the following : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX has the following : XXXX ( 3x 'S ) XXXX XXXX  XXXX XXXX ( 2'xS ) XXXX/XXXX TOWER LOAN

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 2018-11-25
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve debit with XXXX XXXX XXXX, XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach. 

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.

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