BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: NJ
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: Other problem getting your report or credit score

Complaint:
I would like to bring to your attention that all 3 credit reporting agencies XXXX Equifax and XXXX  are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX my now deceased husband XXXX XXXX, paid off a line of credit loan with US Bank on our home at XXXX XXXX XXXX, in XXXX XXXX, Iowa XXXX. 
At that time US Bank sent him a letter acknowledging he satisfied the loan, it was dated XXXX. 
My husband XXXX died unexpectedly on XX/XX/XXXX. 
We purchased the home in XXXX. The first mortgage on the house was sold to XXXXXXXX XXXX long ago. After my husband of 46 years who had worked at XXXX XXXX for over 44 years died, I couldnt afford to pay the first mortgage with XXXXXXXX XXXX as my only source of income was and is my monthly social security check. 
After my husbands death in XXXX, my dilemma at that time was to either let XXXXXXXX XXXX foreclose on my home or try to sell it. The real estate market in XXXX in XXXX XXXX Iowa was stagnant. The house was built in XXXX and needed some work. 
In the fall of XXXX a XXXX VA Veteran who needed to live close to XXXX XXXX bought the home from me on a land contract. 
For the last five years the contract buyer has paid me, almost to the penny,  the exact amount of the monthly mortgage payment that I owe to XXXXXXXX XXXX. I then turn around and pay XXXX. 
Last month the VA agreed to give my contract buyer a VA loan for the home, allowing him to lower his monthly payment. He was approved and everything proceeded. 
Then a title search revealed a lien placed on my XXXX home by US Bank in XXXX was never released. Even though I have the letter stating that the loan was satisfied back in XXXX, US Bank will not send through a lien release to XXXX County Iowa. 
I have contacted a US Bank CSR at XXXX several times in the last week and they keep telling me that they have turned it over to a supervisor for review. They, US Bank, advises me to call back the next day, then the next day, same story every day. 
I am a XXXX year old widow living on social security and Im beginning to believe US Bank is discriminating against me by delaying releasing this old loan. Either US Bank has lost the loan paperwork or lost the money my husband sent to pay off this loan in XXXX. It has been over eleven years now and they are still refusing to release the lien or speak to me or my buyers lender. 
I have spoken to others who have had a line of credit with US Bank in XXXX through XXXX, and some before the banking crisis in that period, and several have said they have had the same troubles with US Bank not releasing liens on old loans and lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2014 I purchased a XXXX XXXX, the list price was around XXXX, the loan company Santander insisted on XXXX, something like that. I paid XXXX down at XXXX of XXXX XXXX in XXXX Florida. My monthly payments started at XXXX. I paid XXXX every month to make a payment. I called for assistance when I was late and had a payment or two moved to the end of my 6 year loan. It has been 6 years and I still owe over XXXX dollars by their account. They blame it on me for being late and moving payments. At the time, the assistant on the phone never told me it would cost so much more and set me back so I was just paying more interest. I've contacted them several times and never was informed of this. I was never late on my payments as much as they are saying. I've been scammed from Day 1, set up to default. Now, I will have a large bill at the end of my loan in a few months. I calculate my loan at around XXXX dollars or more. For a truck that was worth XXXX. Santander is a con artist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am currently enrolled in the PSLF program, having worked full-time for XXXX   XXXX  XXXX XXXX after consolidating my loans toward the 10-year/120 qualifying payments for loan forgiveness. Since my loan was purchased by loan servicer XXXX XXXX XXXX I have put in requests for updated calculations on the qualifying payments I have made ( in total - including the payments I made to prior servicer XXXX ). Over the course of a year, I have been requesting the updated calculations over the phone at XXXX XXXX XXXX. Beginning in XXXX, I was told that my request had been put in and to wait 30-XXXX days, again in XXXX I was told to wait another 30-60 days. We are now in XXXX and I have not received an updated calculation. As I am now nearing the end of my qualifying period, I require an updated calculation. I am receiving as I type the same information and no movement toward calculation of my remaining qualifying payments. Though I have paid for over 6 years and made all my payments, their online tool and their representatives show I have 110 qualifying payments remaining as though I have *only* paid 10. This is very very very incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Other problem getting your report or credit score

Complaint:
When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading

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 2022-08-06
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my endeavor to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}

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 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my Bank of America credit card using my XXXX checking account. The only to do that with Bank of America online is through their Bill Pay, it required adding XXXX into the list of accounts saved with Bank of America. I did that and validated the account. 
When I came to make a payment on Bank of America website and selected the XXXX account to pay from, Bank of America reverted to using the Bank of America checking account even though I selected XXXX. That caused my Bank of America checking account to reach a negative balance and I was charged a {$35.00} fee. 
When calling Bank of America on XX/XX/2020, they transferred my call between 5 different representatives over an hour on the phone and the last one just hung up on me, the fee was not refunded, and the payment was not properly reversed

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 2018-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My experience is very likely a common one, but it should not be. 

I am a XXXX XXXX. I am therefore, well educated, well paid. I have a good FICO score ( XXXX, yesterday ). 

Recently, I had moved to XXXX for a new job. I wanted to obtain Internet services and XXXX checks Credit score. ( a separate complaint is being filed in this regard ). Because my address obviously changed with the move I am unable to automatically unfreeze the credit freeze that I have with the credit reporting agencies. I was asked by XXXX to contact Experien to unfreeze my credit. 

I called the number provided, when XXXX  for " unfreeze credit, experien '' Whomever you are, no matter what your station in life, sometimes you have to call these companies that profit from the information that they collect about us, without our consent. I urge you to do what I did, XXXX, find the number, and try to call them. You will see how obfuscating, how remarkably, breathtakingly impossible to talk to a human being using that number. I tried calling 8 times, each time holding for nearly 25 minutes or so, trying to navigate the phone tree. Because I am trained as a XXXX, in fact I went through all the options that are given. In the end, the same recorded message comes : " we are unable to verify you. Please write to experien with blah blah.. '' Obviously, if one writes, it will take 10 business days or more, and then, another 10 business days to get a reply, if they ever do. So, I decided to give up. This is just to get internet, which, these days, is a utility. Even in XXXX, or XXXX XXXX, or in XXXX, it is much easier to obtain internet, without having to sell the flesh of our children to these companies. Why are the credit reporting companies in the US so uncivilized baffles me. 

Anyway, I am asking CFPB to investigate this issue and reprimand, and also take corrective actions against credit reporting companies. I do this, because, if I as a highly educated, resourceful person can't navigate their phone line, most of my fellow citizens absolutely can't. That is simply immoral. 

I propose a corrective action, so that reaching a human operator for credit freezes, unfreezes is simple and straightforward. For example, they can have a branch in the phone tree that says, if you recently change address, press x to reach a human operator. 

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
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In good faith I sent a wire transfer from my XXXX XXXX  to a Wells Fargo account to pay a builder in Florida on Monday XX/XX/21. On Thursday XX/XX/21 my builder called to inquire about where was the wire transfer. I told him that I wired the funds to the new account at Wells Fargo sent to me by his office. He informed me that he did not have a new account at Wells Fargo. On closer inspection the email instructions with attachments were sent to me by an email address from his company and modified at the end by adding XXXX. I was sent a fraudulent email with fraudulent wire instructions to a Wells Fargo account. My Bank contacted Wells Fargo and they would not provide my bank with any information concerning the account due to " privacy issues with their client ''. Each day the trail gets colder and Wells Fargo told my bank they would get back to them in 90 days. 

I need help - I lost over {$90000.00}

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 2021-11-29
Company: EQUIFAX, INC.
State: UT
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Information belongs to someone else

Complaint:
I looked at my credit report recently and found a few fraudulent accounts. I have done everything suggested and they still haven't came off. Please help 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 2019-03-11
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called by a local number XXXX with an automated message advising me my credit was in jeopardy and to call XXXX. I know most of these types of calls are scams so I was a bit skeptical when calling the XXXX number, located in Georgia. 

Once i got on the phone with a representative, she advised that it was not her responsibility to refresh my memory about a debt. I then asked if she could please send me some type of documentation. She advised if I requested documentation, she would mark me as a refusal to pay and it would hit my credit report, and then the main company " XXXX '' would have to contact me and work out a payment. I advised her that I never refused to pay, that I was only trying to confirm this wasn't a scam. 

At this point we are arguing back and forth so I asked her to please pass me to her supervisor. She stated, " You only want to speak to a supervisor because you don't like what I'm telling you ''. I advised that she was incorrect and that I am also certified in FCRA and that I no longer wanted to speak with her. She advised she would place my call on hold indefinitely and mark my case as a " refusal '' and it would hit my credit. 

I then hang up and called back. Everytime I called back someone would pick up the phone and say " please hold ''. 

I changed numbers and called from my office phone and reached a lady that stated she was a supervisor. I advised the situation and she stated she would work directly with me. 

Please investigate this predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have opened a new account with chase approximately 4 months ago. I just recently got a new job and my first check was a check sent in the mail instead of direct deposit the check was approximately {$600.00}, so with this paper check I did a mobile check deposit ( XX/XX/2022 ), I see that chase put my check on hold for 2 weeks so the day they said it would deposit into my account it hasnt ( XX/XX/2022 ) and it is still being held, I have called numerous times and they always say sorry we cant do anything you will have to wait I currently work for a very big and well known company and they tried to accuse the company saying its probably on their end I am in desperate need to pay my bills and I cant, Chase bank has been frustrating and has horrible customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the Following accounts are fraudulent : XXXX XXXX {$1200.00} XXXX {$680.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX ga XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-09-28
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX had called me and my husband to collect a debt from a XXXX Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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/XXXX I open an Checking account with fifth third bank by calling their XXXX XXXX number. It was fifth third banks bonus offer of {$200.00} on new checking account which got me in. 
According to the bonus offer on must apply for 16 digit offer code and present it while opening the account. I applied for an offer code using my email Id and without fail gave it the representative who was helping me open account, while before hanging the phone I dually make sure with her that my coupon is applied, she affirmed. 
The offer needed me to do a deposit of {$500.00} or more and keep it into account for atleast 60 days which I did. I deposited a check of about {$750.00} on XX/XX/XXXX and kept it in my account well beyond 60 days. 
Fifth third bank in their bonus offer had promised to deposit the bonus into account within 10 days of meeting the eligibility. 

I saw nothing was deposited even after a month of being eligible of bonus. So finally on XX/XX/XXXX called fifth third banks telephone helpline the representative their told me offer was never been applied and there is nothing that she could do about it. On being confronted with the fact that I have given offer code and dually made sure with your representative on the day of account opening, she just say I understand and keep repeating herself. 
I have been cheated and made fool by fifth third bank, I want responsible government agencies to take notice of fraudulent and unethical business practice employed by fifth third bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I attempted a money transfer to XXXX, XXXX. via Money Gram Online Services through their app. 
I initially sent {$100.00} which was available immediately to her account, I then attempted to transfer {$2000.00} and was notified that the transaction was successful, however when the recipient tried to access said funds it was not debited to her account. 
on the next business day, Monday XXXX XX/XX/2020, said recipient went into her local bank and was told that the funds were not deposited to her account by MoneyGram, I  then cancelled the transaction and contacted MoneyGram and was told that they were aware of the situation and was subsequently given case # XXXX by agent XXXX, I was told by him that only first names were given to consumers. 
On XX/XX/2020 after checking my account on numerous occasions I called MoneyGram 's customer service enquiring about the refund, I was then told by the responding agent that it takes at least 90 days for such refunds to be made, I find this a bit hard to accept hence my complaint here seeking some assistance in said matter.

Company response to consumer: Closed with monetary relief