BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I recieved a US bank relicard approx 1yr and half ago when I got laid off my job, however the card was never used because I got a job very quickly, so the card was just dormant and had no funds on it. Then 8 mons ago I decided to shredded the card not thinking i would ever need it again. Then corona hit and now I am laid off, I opened a new unemployment claim and requested my funds be sent direct deposit into my checking account. Some of the funds were placed direct deposit and then I find out the other funds where placed on that card. I called unemployment they will not send me another card and told me to request on from U S Bank and gave me the number. Well what a joke I have now been on hold with U S Bank for 13hrs and no answer just music and sometimes just dead space. This is so so crazy will this is not right to keep people on hold and I dont know how I am ever going to get my money.

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 2020-06-27
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is mistakenly charging me. XXXX XXXX is the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Volvo Car Financial Services U.S., LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased my first Volvo via Volvo Financial on XX/XX/XXXX. I have always paid my account with Volvo Financial online as I have been doing since the inception of the lease term. In seeking to update the history of my account with Volvo Financial I noticed I didn't have all monthly statements for my account including back to XX/XX/XXXX. I have since discovered that I can not get more than 3 last most recent leasing statements via the payment website ( https : //www.volvocarfinancialservices.com/ ). I called Volvo Financial today with the purpose of requesting the missing statements. I was told I can not get any statements other than the 3 prior consecutive months ( I can't get the XX/XX/XXXX statement today because the online system is down ). There is no way to request paper statements to be mailed. I was told by the CS rep that it is a Volvo Financial company policy not to provide any other statements and that I can't make a request for prior monthly statements because they don't exist. Every other company I do business with including different vehicle leasing companies and credit card companies allow me to access online up to 2 years or more of my monthly statements. Some allow me to request statements to be mailed that are older than 2 years, which I have done in the recent past. 

Furthermore, Volvo Financial should be required to DATE the monthly statements retrieved on line. None of the statements I have been able to download contain a statement date!!! The only way I have any idea when the monthly statement that I can view on Volvo Financial 's website is because of the date the available statement appears to be posted. There is no logical explanation for why a statement does not have a date reflecting when it was generated. 

These issues constitute a violation of my consumer rights and I want Volvo Financial to be required to provide the " missing '' monthly billing account statements. I don't believe they can not be provided ( I bet they could find them if there was litigation surrounding the debt at issue ) and because I have a right to be able get this documentation to verify for MY records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, Over the past few months I have consistently identified inaccurate information reporting from a debt collector ( Midland Credit XXXX  ) and they continue to revert to information that is not accurate. At this point there have been over 6 separate changes, and each time my credit score drops - from what I've researched, the inconsistency in credit information impacts my creditworthiness and my ability to apply for anything that involves a credit check. Items that have been listed incorrectly are date of first delinquency with original creditor, the amount I owe continues to increase by $ XXXX month over month, it was listed as closed one month and 3 new accounts the next which hit my credit hard, the account type and status changes regularly, and I've even been listed to be 30 days past due on payments. At this point it is getting very cumbersome to see a change to my credit multiple times a month, I'm unable to plan for my future at this point, and this is becoming what I would consider abusive as my credit score is constantly changing due to information accuracy inconsistency. This is impacting my ability to apply credit as I'm reactive to see what new information they want to change. This constant change of my credit information is both impacting my life and feels as if I'm being harrassed when I'm constantly surprised by their changes. They have proven that they are not able to provide accurate information consistently and at this point I would like accounts from Midland Credit XXXX  removed as my right to have accurate information reporting to my credit without changing multiple times a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: CA
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 is incorrect

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX   XXXX  XX/XX/XXXX {$6300.00}

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 2021-07-13
Company: Experian Information Solutions Inc.
State: LA
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 numerous hard inquiries on my report some I have no knowledge of and some when prequalifying said they wouldn't hurt my report/score. 

Pursuant to 15 USC 1681b Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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: 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$9100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account.

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 2018-11-27
Company: NEW YORK COMMUNITY BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I closed my account with XXXX XXXX ( New York Community Bank ) because they charged excessive multiple NSF overdraft and other fees. They claim I still owe them but I closed the account after XXXX out the balance. They continually are harassing me over XXXX that they claim I owe. They are even reaching out to family members who have nothing to do with this. Please stop their unending harassment by XXXX XXXX ( sp? ) who is calling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thiscompanyjustpoppeduponmycreditreport.TheyNEVERsentmeANYTHING.IdisputedthiswithXXXXXXXXXXXXinXX/XX/XXXXandbecausetheycouldnotprovethisdebt,theytookitoffofmycreditreportandthenSOLDittosomeoneelsewhoneversentmeanything.Now,IcheckmycreditandtheyaddedthemselvesonXX/XX/XXXXwhenIwonthedisputewithXXXXXXXXXXXXonXX/XX/XXXX.Howisthatevenlegal???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Agency is trying to collect on three accounts from the same creditor that I have no knowledge of. I have sent two requests via Certified Mail Return Receipt Requested requesting that the debt be validated. The letters were received and signed for. To date, I have not received a response from the company nor have I received any application, contract, or any other document bearing my signature. Since the creditor can not provide any proof that these are my accounts I believe the accounts are fraudulent. 

The 3 accounts are as follows. 
XXXX XXXX {$580.00} XXXX XXXX {$71.00} XXXX XXXX {$250.00} I have never been insured with XXXX XXXX I have been insured with XXXX XXXX for the last 10 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint against Wells Fargo through the XXXX  XXXX  XXXX  on XX/XX/XXXX for refusing to talk to my family & I to permanently modify our monthly mortgage payment to {$1500.00} total. Wells Fargo also denies that they were in the right for their decisions when we have documented them being contradicting and misleading from their poor customer service. 

When we filed our case through the XXXX  XXXX  XXXX, Wells Fargo response on XX/XX/XXXX that states " We understand your concern that you were advised to fill out paperwork to request a loan modification even though you were not eligible due to the previous loan modification. Please note, we cant discourage anyone from applying for payment assistance. Which we view this as a tactic from Wells Fargo to prolong an unnecessary procedure to further extort my family out of our home. Also, it states in the same paragraph that, We received your appeal request ; however, on XX/XX/XXXX, the appeal was denied because no new income documentation reflecting a change in income was received. Please note, if you wish to use non-borrower income for a payment assistance review, the parties receiving the income must be listed on the title. As such, we were unable to utilize your XXXX  and XXXX  income for the review. Which we view this statement being contradicting & misinforming because they stated that they did not see no new documentation while follows up by saying we were unable to utilize your XXXX  and XXXX  income for the review and the parties receiving the income must be listed on the title but on the non-borrower income form it does not state that the individual signing the form needs to be on the title on the home to be considered under Wells Fargo review. Again, this is another example of poor communication and inadequate customer service. 

We sent our rebuttal on XX/XX/XXXX and a representative from Wells Fargo called my wife XX/XX/XXXX to say that We will receive a letter tomorrow about how they came to a conclusion that they have answered our request about the Co-borrower form my wife then tries to correct them to explain how we wanted answers about the non-borrower form but when the representative was seeking a manager, the called dropped and my wife could not reach the representative nor did they call her back. We received Wells Fargo letter on XX/XX/XXXX that stated We received a similar request from you and sent our response on XX/XX/XXXX. For your reference, weve enclosed a copy of the letter dated, XX/XX/XXXX, which addresses most of the issues mentioned in the inquiry. and ending with Weve determined the account was handled properly and no corrections are needed as no error has occurred.

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 2018-11-27
Company: CITIBANK, N.A.
State: CA
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:
I have never giving my legal consent to have CBNA Bank Credit cards to run my credit and cause an inquiry Dated XX/XX/2018 their for causing a negative impact to my credit score.

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 2020-04-27
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to refinance a mortgage on my property in XXXX, CT. The property was previously destroyed by Super Storm Sandy. At that time I took out a second mortgage to help with the rebuild through XXXX. The loan is current owned by the department of housing in CT. I am in of a subordination which has been obtained but is not being accepted by Peoples United Bank or XXXX XXXX XXXX. They are stating that it is not properly executed per the governors temporary orders regarding electronic signatures. 
Neither party Bank nor Department of Housing will budge. My closing date was cancelled and now I will be losing my rate lock. I have done everything humanly possible to try and get this resolved starting on XX/XX/XXXX. 
The Bank told me I was cleared to close and then came back an hour later and said let me know when you get the wet signatures. 
Anything you can do to assist will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I have owned our home for 18yrs. We have had some financial hardships along the way, but have worked hard to keep our home. 

Our loan and debt was sold from XXXX XXXX to Our current lender, Specialize Loan Servicing in XXXX. At the time our loan was sold, we were in a Chapter XXXXBK. We paid our planned payments to the Trustee which she paid the mortgage arrears and we paid our current monthly mortgage payments directly to our lender. 

Our bankruptcy was completed this past XX/XX/XXXX. The planned payments and mortgage arrears were paid in full. Once the bankruptcy was completed, our mortgage company sent us a statement saying when our mortgage was sold to them 2 yrs ago, we were 4 months behind totaling {$9.00}, XXXX. We were not 4 months behind when our loan was sold. For the past 2 yrs that we have been with Specialized Loan Servicing, they have never mentioned we were 4 months behind and it was never reflected on our monthly mortgage statements. 

This year, XXXX we did have a financial hardship due to Covid and other medical issues and fell behind on a few payments. We reached out to our mortgage company this past XX/XX/XXXX, to request a loan modification, repayment plan ect. We received a letter today XX/XX/XXXX stating our request was denied with no explanation as to why. The mortgage company kept stating, we had a Loan Modification 11yrs ago in XXXX and because of that they can not help us. They are requiring {$14000.00} to reinstate our loan and stating the total amount due is {$20000.00}. 

We can afford our home and we want to keep our home. Can you please assist us in getting a loan modification. 

Thank you for your time and help. 
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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2021, I sent letters to XXXX and Transunion about the inaccurate and incomplete items that they are reporting on my credit report. the letters state that they don't have any permissible purpose by law to contact third parties with my private or personal information pursuant to 18 U.S.C. 1028A and I request that the inaccurate items be deleted at once. Today is XX/XX/2021 and I haven't received anything from them concerning the request. I have attached copies of the letters for your reference.

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 2018-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, from Wells Fargo Bank, called me at XXXX XXXX today to talk to me about my complaint number XXXX to the Consumer Financial Protection Bureau. She told me Wells Fargo Bank does not know how or why I received the letter dated XX/XX/2018 that stated my mortgage had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/2018. 

She told me my mortgage would be transferred on XX/XX/2018 and any payment made after that would need to be made to XXXX XXXX XXXX XXXX. 

I attempted to tell her Wells Fargo Bank is trying to undo what's been done and to keep my mortgage transfer with payments confused ; that I needed to receive this in writing. I tried to tell her I should have been notified 15 days prior to the mortgage transfer. However, she kept talking over me and would not listen to what I was saying. Finally I told her " call me back when you are ready to listen to me '' and hung up on her.

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 2021-10-25
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: Information belongs to someone else

Complaint:
I m checking my credit reports and I don't understand why I see this account on my name. I don't have anything like that. I have no idea why you put it on my name.

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 2021-10-25
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX  I received an email on stating my venmo account was negative {$1.00}. I then received another email on XX/XX/XXXX  saying that i had received XXXX cash back for using my card at the restaurant where i had made a purchase causing the negative balance. Venmo followed with another email stating that the cashback would be applied to my negative balance and i needed to pay XXXX  in order to restore my account. On XX/XX/XXXX  I attempted to settle the remaining negative amount from my connected bank. In the email confirmation it says that transaction won't be completed until XX/XX/. On XX/XX/XXXX  I received a payment into my venmo account from my boss for {$75.00}. Venmo is still refusing to allow me access to my funds even though the negative has been settled by my initial transaction from my bank as well as the venmo transfer that i have received from my boss. They are saying that until the ach transaction goes through they will not give me access for my funds or take the XXXX out of the {$75.00} that is readily available in the Venmo account. PLEASE NOTE THAT I FILED THIS WITH THE ASSISTANCE OF AN AGENT ON THE PHONE. I SEVERAL EMAILS THAT I WOULD LIKE TO SUBMIT, HOWEVER I WOULD LIKE TO FORWARD THEM DIRECTLY TO MAINTAIN THE INTEGRITY OF THE DOCUMENTS AND NOT COPY AND PASTE THEM AS I DO NOT HAVE TO OPTION TO DO THAT.

Company response to consumer: Closed with explanation