BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I was notified by XXXX that the auto loan account with Wells Fargo was 30 days late. A check of the payment history shows that a partial payment of {$120.00} was made on XX/XX/XXXX and XX/XX/XXXX. A payment of {$700.00} was made on XX/XX/XXXX, just one day beyond the due date for XXXX. I never received any communication from Wells Fargo that the account was delinquent. I had email alerts set up but they moved everything over from Wells Fargo Auto Finance to their main website without notifying me. I didn't even have this information until today. In looking at the account I saw that a late charge of {$18.00} was added on XX/XX/XXXX and a late charge of {$6.00} was added on XX/XX/XXXX. There was no past due amount other than the payment for XXXX which was {$370.00}. With the late charges added the total amount due should have been {$400.00}. With the payment of {$700.00} made on XX/XX/XXXX the account should have shown a balance owed for the XXXX payment of {$82.00}. The payment showing due as of XX/XX/XXXX is {$220.00}. How can this be? The numbers are not adding up. I request a full investigation. Due to this I can no longer close on financing for a home that I was about to close on very soon and my family and I are going to be homeless. I was treated with complete contempt by the call takers of Wells Fargo when I inquired about the situation and was even told there was nothing they could do and that the information would remain on my credit report as they were showing it was accurate and met the standards of the Fair Credit Reporting Act. Based on the information I have provided with this complaint you can clearly see that their reporting to the credit bureaus was false according to their own records.

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 2021-05-27
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection company- XXXX XXXX apartments HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Falsely keeps reporting to my credit report an amount to my credit report that is in accurate knowing that the amount is four times what the amount should be. They have listed amount of one payment of rent which is accurately past due and I would like to resolve but also damages that were clearly listed on the wall through check sheet.

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 2020-07-28
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent Bills from beginning to end, Fraud, HIPPA, Privacy, Criminal Mischief Cease financial harm on purpose, it costed be about {$4000.00} to pay credit repair services to fix this, they hire XXXX  like XXXX XXXX who act like they are jealous of XXXX XXXX, all parties should make apology letter. My legal secretary will be calling and transcribe their inconsistency. Make them report full names, and social security because they all have Mr. XXXX Social Security Number and they will never respect privacy. 

Look at The Bills Attached Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , La . 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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to XXXX XXXX and TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to link my checking account to the investment site XXXX   and have been unable to do so. It is very frustrating because I am trying to start investing my money. I can not do so if I can not access my account through this app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 a loan with XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nature of complaint : Select Portfio Servicing ( SPS XXXX is charging me {$330.00} in fees and {$56.00} in unpaid late fees. 

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) notified me that they were granting a repayment agreement to allow additional time to repay the past due amounts on my mortgage by making additional payments in addition to my regular monthly payments. The total past due was {$3300.00} and the amount became part of my new total monthly payment listed in the Repayment Agreement terms. Per XXXX XXXX XXXX, the amount included all past due payments of interest, principal, and escrow as well as any outstanding fees and costs including unbilled fees and costs. The Agreement would began XX/XX/XXXX and would continue through XX/XX/XXXX. The regular monthly payment of {$550.00} would increase to {$870.00}. The Terms of Agreement was 12 months and if all new total monthly payments were made on time I would resume the regular scheduled payments under the Note and Security Instrument. I signed and accepted the offer. 

On XX/XX/XXXX, XXXX XXXX XXXX notified me that my loan was being sold, assigned or transferred to XXXX XXXX XXXX ( ShellPoint Mortgage ). The XX/XX/XXXX payment went to XXXX XXXX XXXX and the remaining eleven ( 11 ) payments to XXXX. I completed the agreement on time however in XXXX I wrote XXXX four times addressing the fees and they failed to answer. XX/XX/XXXX XXXX transferred the loan to SPS Select Portfio Servicing and Im still trying to resolve the issue. SPS provided me with a payment history from XXXX  with transactions dates beginning XXXX thru XXXX ) and they were not my lender in XX/XX/XXXX thru XX/XX/XXXX. 

Currently, I am in default with my mortgage ( Im due for XX/XX/XXXX and XX/XX/XXXX after Social Security intercepted my benefits for an overpayment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Wells Fargo Auto Loan was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to Wells Fargo at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX Wells Fargo Auto Account # 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 2018-05-03
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was looking to establish a credit line ( through XXXX XXXX ) online for the purchase of a new cell phone. I was notified after electronically applying, that " additional information '' was going to be needed to properly process my application. " Barclays Credit Card '' requested that I send them photo copies ( both sides ) of my Drivers License AND my Social Security Card.. I have a " XXXX '' credit score across all three reporting bureaus. Although I'm personally offended ( considering my credit worthiness ) I also believe some type of " scam '' is somehow in place if Operator License info and both sides of a Social Security Card are being requested - especially in today 's day and age, with all the attempts at ID fraud etc.. PLEASE look into this!!!

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 2020-07-03
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: 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 {$8200.00}, {$8200.00}. 
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. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment ) /n Complaints against BOA for alleged abuse of discretion and systemic discrimination : Im a XXXX  resident in the US . I believe I do nothing wrong. But just because of Bank of Americas misleading sales, abuse of discretions, and possible systematic discrimination against ethnic minorities, all my five well-run BOA accounts were closed. In this  difficult COVID-19 pandemic time, I cant pay online. I have to go out, again and again, to solve various financial and shopping issues for my family regardless of the risk, in the area with the highest number of infected in my state. /n Especially when I simply searched in XXXX and inquired about the XXXX  complaint data of BOA , I had to suspect that this was BOAs systematic discrimination against disadvantaged customer groups and malicious abuse of the discretionary power granted by the law, to maximize the BOAs own interests., Minimize their risk, and deliberately harm the interests of customers, as the similar discrimination cases of XXXX XXXX, XXXX, and XXXX XXXX in XXXX .... ( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment )

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 2020-05-12
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-07-28
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 XX/XX/2019 I applied for credit with Synchrony and was not approved on the above dates. I was about to reapply and it actually says wont affect your credit score so why was I hit with two hard inquires??

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 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It was my sister 's birthday and she asked for a brand new phone, XXXX XXXX XXXX  to be exact. I wanted to grant her wish. I am a XXXX   XXXX so my fund is limited, hence I was looking for cheaper alternative. I ended up looking at XXXX  market. The girl named XXXX XXXX claims that she works at USPS. She got my trust easily because she mentioned she has a fear of being scam. She lives in PA while I live in a different state. She suggested to ship the item and also mentioned she have sent an XXXX already to this lady in XXXX. I desperately want my sister to be happy on her birthday especially with this pandemic going on. I paid {$560.00} through XXXX XXXX and XXXX told me that she would send the item once she works the next day. I keep texting her to update me, two days after I decided to go to XXXX XXXX and ask for a refund. I sent her the money on XX/XX/XXXX ( my sister 's birthday ) and it was XX/XX/XXXX when I asked for a refund from her. She blocked me through everything and I felt hopeless. I informed my bank, Capital One to file a dispute, they have given me a temporary credit. On XX/XX/XXXX, Wednesday, Capital One emailed me saying they have declined my dispute. I filed it again due to feeling that their investigation was not fair since they have not ask me for any documentation or proof because I still have the screenshots of the deal but the merchant did not ship the item. However, Capital One sent an email on Friday, XX/XX/XXXX still declining my claim. At this point the only option I have is to file a police report the next day, XX/XX/XXXX. I am devastated. It is a big amount of money and I'm doing everything I can to get it back, I really need it back. Please help me. I don't know where to go to get back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
US Bank accusing me of owning {$560.00} which I told them specifically thats not my account the social security numbers on the account is different from mine ssn

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 2018-05-03
Company: FIRST HORIZON BANK
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nc was foreclosed in XX/XX/XXXX the second mortgage is/was held buy First Tennessee bank. they have been showing that i am " late '' on my credit report for two and a half YEARS!! I recently pulled my credit report to find this info..I assumed it was foreclosed back when the main mortgage closed. I called First Tennessee and was directed to the foreclose department and was told by XXXX on XX/XX/XXXX that they are reporting it properly and in so many words, told me that i ether set up a payment plan or they will do nothing!!! I lost this house in a divorce and the ex wife put it into foreclose and I could not stop it because she would not sign some paper work at the time ( XX/XX/XXXX ) I am simply asking for some help/guidance to get them to close the loan and move forward in the process so my credit does not show a " late '' payment this is what I sent to them from the form that XXXX stated I could fill out : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The house on XXXX XXXX XXXX XXXX was foreclosed on XX/XX/XXXX. you have been showing this loan as being late on my credit report.. I need please review the loan and move forward to close this out.. I think that nearly three years as " late '' is very unprofessional..I spoke with XXXX in the foreclosure departmentXX/XX/XXXX and you now have all of my contact info. I am filing a report with the Consumer Financial Protection Bureau. I expect this to be resolved promptly. Thank You XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The loan # XXXX  First Tennessee Bank XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Foreclose Department XXXX XXXX XXXX  My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: DISCOVER BANK
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My FICO 8 TU score went UP 2 pts to XXXX this month. Discover is saying they reviewed my account and need to reduce my credit limit from {$1600.00} to {$700.00}. I called in. They ASSURED me it was just a computer glitch. Then, mothers day dinner DECLINED. I called again. Yeah we are reducing your credit line. My account has steadily gone from a {$300.00} card to {$1600.00}. My credit is better than at any time so far. This is blatant credit discrimination. I am an XXXX  veteran, a protected class for discrimination lawsuits. I asked about COVID19 and why they are HURTING AMERICANS. I then told them I needed my credit line back so my kids dont go hungry tonight. While saying they dont want anyone to go hungry, they refused to undo their discrimination. I have never missed a payment. I have improved my credit. This is blatant risk exposure reduction at the expense of consumers. They are all doing this. HELP, CFPB!! HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: MS
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:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Equifax, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with explanation