BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Below a summary of the case, which involved financing on our new house in XXXX, VA, with Wells Fargo. 
I received an email about relationship discount XX/XX/XXXX. I made intend to get lower rate very clear on several occasions. I was targeting {XXXX in assets reducing our rate from 2.875 % to 2.75 % on a 20 year mortgage. 
I never received any details stating how and when the discount would be applied and it would have to be before closing Numerous time, I asked for more details, with slow or lack of response. When I was asked for more information, I always answered swiftly. During XXXX of XXXX, leading up to closing on XX/XX/XXXX, I sent numerous emails to get more information, but replies were slow or not existing. I had to follow up numerous times. 
I had sufficient funds on my Wells Fargo account on XX/XX/XXXX per the conditions of the relationship discount, more than 3 weeks before closing. I was asked though to provide a statement proving the funds was there, which I thought was strange given that my bank account is with Wells Fargo, who is also the mortgage lender. 
I provided an updated bank statement was provided on XX/XX/XXXX as requested. I only heard back on XX/XX/XXXX after following up, where I was told I didnt have enough liquidity. That was not correct. Wells Fargo, beyond the delayed response, had made an error in the closing statement and cost that I had to follow up on to change, and Wells Fargo referenced a system error. 
During all of the conversations, it was clear to Wells Fargo that closing was XX/XX/XXXX. At no time, I was told that the rate adjustment had to be made before closing. There was no urgency from Wells Fargo exemplified by the slow or lack of response. 
In a phone conversation on the day of closing, I was told that an error was made, and the lower rate couldnt be applied after closing. First time I heard about it. 
I submitted a claim to Wells Fargo, but they dismissed it. Their findings did not recognize the facts above. 
After, my Wells Fargo bank rep even recognized that I had enough funds on my account, Since Wells Fargo made the decision not to change my rate, I have called multiple times to clarify and left voicemails - no response.

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 2017-10-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was told that I would receive compensation for an NFCU credit card account that I  settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Stellar Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX XXXX on XXXX XXXX 2018. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had my purse stolen in XXXX of 2017. I have all of my credit cards set up with automatic payments. It took me some time to go to my credit union and get the account changed since I was out of the country. One of the automatic payments for my Capital One credit card shows as being missed and that is not accurate. I called Capital one to tell them what happened, they told me over the phone that I would not be affected and I gave them the updated bank information and got caught up with my account. I did not miss any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in 2004 and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Bank of America : Continued communications of payments not paid. As of XX/XX/2022, a total of {$150.00} was paid to my Bank of America credit card. Automatic payment ( {$35.00} ) was paid on XXXX. A payment scheduled for XX/XX/XXXX for the amount of {$35.00} was not issued due to promotional period ending and the increase in interest rate. Payment was eventually made and processed on XX/XX/2022, in the amount of {$61.00}. That payment actually was paid to another Bank of America credit card, I received a letter that the mistake was found, and the payment was issued to the right credit card. Another payment was paid and processed on XX/XX/2022. Any late fees were waived via an online chat. The XX/XX/XXXX payment and the XX/XX/XXXX payment has the account up to date. I'm still receiving information that I owe {$150.00}. I did a recent online chat and was told it was for {$90.00}. The individual could not explain the {$90.00} charge. Online account : the delinquent payment ( XX/XX/2022 ) is for {$61.00}. That payment for XXXX was paid XX/XX/2022. The next scheduled payment {$61.00} ) is due XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: SC
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am applying for XXXX and other loans. I need my experian credit account unfrozen. XXXX will be checking my credit. I sent a letter with copy of social security card, my drivers license, and a bill last week. They have still not removed the freeze and there is no way to contact them via phone.

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 2022-04-04
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX  {$7800.00} -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-10-18
Company: Bepensa Capital, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My monthly payments of {$410.00} are due on the XXXX of each month. I made a payment of {$500.00} on XX/XX/XXXX. I logged in to the website today that the extra funds I paid are in an unapplied account. They have done this on several occasions, this time I decided to call today ( XX/XX/XXXX ). I asked the representative to apply those fund to principal. He stated that he can not and I have to wait until I make the XX/XX/XXXX payment then they can apply to principle. Which is a lie because it has never happened with my prior payments. In addition, thats an extra 30 days of interest that I am being forced to pay on a larger balance and they are holding my extra money. I explained to him that this is unacceptable. I have a DSI loan, by not applying my extra to principle, more interest accrues daily, I pay more interest over the term of the loan and it takes me longer to pay off the loan. They are forcing customers to pay extra interest. When I informed him this isnt legal and I was reported them to the CFPB. He stated to me " it isn't the end of the world '', which is rude. That violates FDCPA. I need to be able to pay extra on principle to payoff my loan faster. This company forces customers to pay extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: NC
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 hard inquiry on my credit report from JPMorgan Chase Bank. I'm confused because I don't even own a chase bank credit card. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
OnXX/XX/XXXX westernUnion received a request for two wire transfers for the exact same amount of {$950.00} each. Although the website told me that those transfers did not go through along with three or four other transfers in other amounts they all did not go through. On the XXXX I started dispute of both wire transfers in the amount of {$950.00} each. They were able to settle One of the two identical accidental wire transfers, but still have been able to handle the second of the identical wire transfers. They have settled transfer with tracing number XXXX in the amount of {$950.00} has been returned to my XXXX XXXX  account. For the identical wild wire transfer tracking number XXXX in the amount of {$950.00} they have not been able to settle this account. Theres no reason for them to hold onto my money. I work hard for my money. I have bills to pay. I have XXXX children to feed. {$950.00} might not be a lot to the people at WesternUnion its a lot to me and my family. There has to be a standard kept in business they shouldve been able to handle both of these wire transfers that were never supposed to go through in the beginning as this was all handled on the WesternUnion website somehow through the website it said that they were not gon na go through and then somehow the next day they actually did go through. On XXXX started the process with both of the identical {$950.00} wire transfers and canceling and starting a refund. Theres zero reasons why both couldve been handled the exact same time the exact same way. I do not know why they would treat a customer with such a disregard especially a company such as WesternUnion where the whole reason why people use them is so that people can send money and its a wire transfer of cash it goes immediately. I couldve flown to XXXX and back now and pick the money up! I find this to be unacceptable business behavior. There must be a standard that business is held to especially a business such as WesternUnion who has international dealings

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Atlantic Collection Agency, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Im currently paying this bill, yet Im still receive calls about it. Also, they are supposed to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not sign or verbally have any agreement with this company. It may be a result of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I discovered illegal unauthorized accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my personal information was impacted by the Equifax data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual anguish on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NC
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 hard inquiry on my credit report from XXXX XXXX XXXX  I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: PNC Bank N.A.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Then problems that I have with this bank is their inefficiency to fix this horrible website. I have written them I have called them, I have complained at least 20 times about the problems getting into their website. Nothing works, passwords do not work, security questions they ask to be answered are not questions you ask to be answered. Then they give you 2 times to make a mistake and if you do not get it right, they suspend you. They throw you out of the site. This has been going on for more than 2 years. I deal with over 10 other banks and large corp, PNC Bank is the worse company I have ever dealt with and, they know who I am with my many complaints. Will they correct it? No, they will not correct it. I have asked them many times, Is the head of your IT dept a relative of the CEO? Why can you not get this right? It is a problem signing into their sight every month and nobody does anything about it. It is easier to sign into the Treasury dept of the United States than this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: MO
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:
On XXXX XXXX I received my dispute results from Experian. Experian stated during their reinvestigation on the XXXX XXXX  XXXX XXXX and XXXX XXXX, they only contacted the company. Pursuant to ( 15 USC 1681a ( e ) ) Experian is in violation of the FCRA in regards to how they was suppose to investigate my disputes. Also, I never gave Experian Permissible purpose ( 15 USC 1681b ) ) to report such information. Please help me rectify this matter.

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