BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is about Wells Fargo Bank. 

I opened a New Saving account and the first interest paid is NOT correct. I contacted the bank over 5 times and spent OVER 6 hours starting with regular support then sent to the Executive Office to correct this problem and credit me the additional interest. Not one person knows how to calculate interest manually or actually say how many days interest I was owed. I am an XXXX-XXXX and was the head of different departments so I know how to calculate interest on accounts ( DRF ). Time after time I tried to explain the process but no one, not even the Executive Office, would listen. They wouldn't even let me know what they was entering into their computer to even check the calculations. They kept putting me on hold and supposedly asking someone else for help. They even put me on hold and NEVER came back to the phone even though I asked them to call me back of we got disconnected. I always asked if my call was being recorded because I wanted a record of ALL of my calls. The always said yes. One Executive Office person even said interest does NOT start earning until the next day. Now that is DEFINITELY WRONG. The last person I talked to in the Executive Office said I was NOT getting the additional interest because they paid me the correct amount. I asked her how they calculated it and she would NOT explain it to me because she didn't even know how since it was all computerized. I even XXXX and did XXXX XXXX of new products when I was a XXXX  to be sure EVER aspect was correct. Wells Fargo has to be doing this to EVER NEW account with new money and that has to be MILLIONS of dollars in interest NOT being paid to new customer depositing NEW MONEY and maybe existing funds. My few dollars is owed to me but my concerns is that thousands of customer are, I am sure, being shorted interest.

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 2019-01-29
Company: Marlette Funding, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company closed my account with no warning after 4 or 5 years of having the account in good standing. They will not provide a reason for the account closure and will not issue my funds to me in a timely manner. They are holding all of my funds from my direct deposit from my job. I have no other funds available to me, and now have no way to access my money. After speaking with the company, they would only say they had the right to close the account at any time for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX we received a letter from Ditech financial stating we were behind on our escrow. I contacted the company to find out what was going on, as my husband is a XXXX, we do not pay property taxes. I was assured that everything would be fine and the tax department would look through the paperwork again and fix the problem. By XXXX we were receiving nasty letters stating that we were behind on a payment- we have NEVER missed a payment, we pay a little extra on our payments. 
We have spent HOURS almost weekly since XXXX trying to find out what is going on with our account. XX/XX/XXXX we were sent a check for the extra payment in the escrow. We called multiple times to find out if the check was correct. Everyone we spoke to said the information was correct and the check was overages in the escrow. The amount of the check was approximately {$1800.00}. 
Ditech finally got read the correct paperwork showing that we didn't pay property taxes, however, since that time we have been receiving letters stating that we are behind a payment. As I stated earlier, we have never missed a payment, or been late on a payment. 
Every time we call we get the run around, and no one seems to know why there is a payment missing or where it is. We end up having to go through the ENTIRE 6 months of calls with the person we speak to, there have been no notes kept on the account. We are now getting letters threatening to enter pre-foreclosure. Our loan is a VA loan, which threatens the ability to get another VA loan in the future. 
I have spoken to others with Ditech and they have had the same experiences we are having. I have sent letters and made phone calls, with no response from Ditech. This has dropped my husbands credit score by more than 100 points, we can't even trade in our vehicles due the problems they are causing. At this point I don't know what to do, especially if we can't get help resolving the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have contacted a person for apartment, she is asked me to send the deposit then I sent her deposit in three transactions ( {$550.00} total ) through XXXX- Transfer, later she is not answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA

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 2018-04-03
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The end of XXXX start XX/XX/XXXX I called CONNS to get the number to settle, so I can pay off my account. They told me they no longer had the account and XXXX XXXX had my account. I contacted XXXX XXXX and they gave me detailed information about my account but said they no longer had my account but they will sent it to a supervisor see if they can take the payment. No one called me back, so I called again and they gave me the same information and told me someone will call me back and again no one followed up with me. I called once again and they told me conns has it. So, I contacted conns ans conns put in a ticket and said someone will call me. They called me and said they can not help me and XXXX XXXX has my account I would need to talk to them. I explained the situation that XXXX XXXX told me and they said they couldnt do anything even though they are the original creditor. On my credit report it shows CONNS reporting as the collection agency and the number on my credit report is no longer in service. Just trying to pay off my debt so I can build my credit and buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Focus Holding Company
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX. I've contacted ALL 3 credit bureaus, XXXX   has completely removed this from my credit report. However, XXXX   and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: OH
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 accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section XXXX ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXX This is my only phone number XXXX Any other numbers are not inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BROCKELBANK INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CB Manistee has several debts on my credit report with XXXX. The other 2 credit reporting agengies have removed these debts but XXXX  has not. I have tried and tried for a couple of years to get these debts straightened out. Sent copies of payments to cb manistee and the credit reporting agencies and yet they still appear on my XXXX  report. ALL OF THESE DEBTS FOR MEDICAL HAVE BEEN PAID OFF DIRECTLY TO THE HOSPITALS AND OR DOCTORS. 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 explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried since XX/XX/2017 to have Experian, XXXX & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?

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 2021-05-01
Company: William D. Meeker Enterprises, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CIC/XXXX XXXX XXXX has inquiries in my credit report. I didn't give written or verbal authorization for anyone to check my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.

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 2019-05-28
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a credit card on my credit report that I know nothing about. It is a CITICARD CBNA credit card with a balance of {$3300.00}. 

Ive contacted Citibank about it and they can not pull up any information about a credit card with them with my social security number. 

However they said that I was added as an authorized user, but they wont tell me by who. 

I have nothing to do with this credit card and would like it removed 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 non-monetary relief
Consumer complaint received 2020-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made a shipment through the chase bank, to which they said it would arrive in 5 business days I gave an account number to which I was going to arrive, unfortunately I made a mistake in a number, you pervaded me and I went on XX/XX/XXXX, the employee He bluntly told me that it was likely that I would lose it, but if I insisted on my part, he went to try to cancel the shipment and told me to wait for a call from them, I have gone to four banks and called but they tell me that it is possible I lost it and the employees only answered that when it was communicated to the XXXX XXXX  XXXX XXXX XXXX and the money did not arrive there either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is continuing to furnish inaccurate information on my account furthermore they do not do proper investigations into my disputes. My dispute was delivered to XXXX on XX/XX/XXXX yet XXXX still furnishes inaccurate data on my file without ensuring maximum possible accuracy Bank of America XXXX has the wrong date closed, The wrong date of last payment, and shows missed payments after the account was allegedly closed I sent a dispute Directly too Bank of America and they failed to acknowledge the errors my dispute was delivered XXXX XXXX XXXX days before XXXX received my dispute complaining of the same errors yet no change was made you would think after being put on notice twice in one month once directly by me and another by XXXX ( Since a Credit Reporting Agency must notify the data furnisher when the consumer is disputing the account ) That the alleged charged-off account would be corrected after both notifications but to no avail. 
Therefore XXXX has violated Title 15 1681E by not ensuring maximum possible accuracy before furnishing this information on my report and Bank of America has violated The following 15 U.S.C. 1681s-2-A 1 ( A ) -Reporting information with actual knowledge of errors 15 U.S.C. 1681s-2-1 ( B ) -Reporting information after confirmation of errors 15 U.S.C. 1681s-2-2 ( B ) -Duty to correct and update information.

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 2018-07-01
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint against the credit bureaus, XX/XX/2018, requesting they validate the debt shown as collections on my credit reports. They send correspondence of the dispute to the creditors, and today I have not received the documentations bearing my signature on the original contract to the debt. I am not aware of this company or debts and request validation.

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 2020-06-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a loan with TD Bank. Submitted necessary application received been Conditional Approval on XX/XX/20. Uploaded all documents necessary for final approval. 
Received documents in mail to review. Initial rate on 7/1 ARM was 3.25 % on Loan Estimate. 
As part of the loan documents, I received a Rate Lock Agreement. This Agreement included a Standard Rate Lock for a period of 90 days. 
The Agreement included a Float Down Option which allowed a one time adjustment if the " current Bank advertised rate was 0.25 % lower than my current locked interest rate '' ( 3.25 % ). 
The Early Arm Disclosure Statement stated The Index is LIBOR12M. The Loan Estimate also included an AIR Table specifying the Index + Margin as LIBOR12M+2.25 %. 
During this process the Index moved lower and I requested the one-time Float Down on XX/XX/20.On XX/XX/20, I received an email stating ; " There is no float down available for this application today. The market is not a full .25 % lower '' after my contact stated she reached out to her " pricing department ''. 
Correspondence back from lender stated that the bank uses the SOFR index to set the Float Down rate. 
Numerous email correspondence and unanswered telephone messages requested clarification on the index and continued request for a Float Down. 
On XX/XX/20, I notified the bank that : " If do not hear from someone from your bank regarding the index question ( SOFR vs LIBOR ) by XXXX XXXX today, I will be reporting this issue to the FDIC and Office of Financial Regulation ( OFR ) for their review. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, 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:
erroneous and inaccurate information is being reported on my credit reports. I informed the credit bureaus of the problem and sent documentation proving such. The accounts are reporting different information on each of the credit reports for the same account for things such as balance, date open, date closd, high credit, past due amounts etc.,. It is impossible reckless the bureaus to assume for all three variations of the same account to be accurate and allow it to be reported on my credit. Federal law requires that only accurate information be reported, the bureaus have refused to remove these inaccurate accounts. 

The Credit bureaus have also not responded to my request with in the 30 day time frame they are given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Bread Financial Holdings, Inc.
State: NV
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:
On XX/XX/2018, I received an email alert from XXXX saying : XXXX/XXXX   obtained a copy of your XXXX Credit Report. 

It showed as a Retail Inquiry, but I did not recognize the company and had not authorized anyone to obtain my credit report. I asked a friend, who had been using my computer, and she said she was on XXXX XXXX website, and mightve accidentally submitted my info. I do not know how this is possible, other than my browser automatically filling in my name, address, etc. She said she could have not been paying attention. However, I do not believe that my social security number is saved on my computer, or is known by my friend ( other than last 4 digits ), so I do not know how she couldve authorized a credit application! I have been settling my debts, and am just starting to rebuild my credit including getting a secured credit card of my own and there is no way whatsoever that I would apply or authorize an inquiry for a store credit card right now especially, as a man, for XXXX XXXX! Please help me in removing this inquiry from my credit reports, as I am freaking out that it will hurt the progress Ive finally started to make. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a Paypal business account holder. I have used my PayPal account for almost 4 years now. On the XXXX of XX/XX/2020, I woke up to see Paypal permanently limited my account for no reason. I am a university XXXX studying XXXX XXXX, XXXX  and also have some family members who depend on me. I borrowed money from people to expand my virtual tradings. As I am talking, all the funds have been locked up in Paypal for 180 days. Honestly speaking I can't wait for the 180 days because if I try to wait, I will either go to jail or commit XXXX. I have an amount of {$1400.00} USD locked up. I have contacted PayPal through XXXX but the response I received wasn't encouraging. I am partially homeless now. I would happy if you can intervene to save me from this misery. I just want to die now. I am XXXX  and not as fine as I am talking. 
I want PayPal to allow me withdrawal my funds urgently or restore my account. I have never engaged in criminal activities with my account before. I use my account only for business and payment of school fees. I don't deserve to be treated like this. My Paypal account address is XXXX. Thank you My PayPal limitation Reference ID : XXXX

Company response to consumer: Closed with explanation