BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Hello, My wife and I purchase a home in XXXX, we both worked and had incoming coming in. In XXXX my wife was injured by a medical professional and had to receive multiple XXXX to correct her medical issues. She can no work and is apply for XXXX at this current date. We were never late on our home mortgage till the medical issues started. XXXX XXXX/XXXX XXXX would not work with us on the mortgage starting to be late for 3 years. Even with medical proof my wife could no longer work. After a long exhausting 3 years we sold the home and started renting and downsizing and payed off our debt. I tried to reason with XXXX XXXX to have the late payments removed from our credit report but they would not help. My wife and I still can not apply for a home loan because of reported late payments. We closed on XX/XX/XXXX. They still counted XXXX as late payment even when we closed in XXXX and payed off the balance of the loan. Is there anything I can do? Or you can do to help me? 
Thank you XXXX XXXX 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 2019-05-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I tried to dispute a credit card charge to on XX/XX/19 online at chase.com.  ( XXXX : XXXX # XXXX XXXX XXXX ) After filing out 4 pages of Q & A I hit submit. It came back with " Itlookslikethispartofoursiteisn'tworkingrightnow. Please try again later. Thanks for your patience. '' I tried again on XX/XX/19. Same not working response. Tried again on XX/XX/19. Same not working response. I tried again on XX/XX/19. Same not working response. 

1 ) Why doesn't CHASE tell me that this part of their website doesn't work BEFORE I fill out 4 pages of Q & A?

2 ) Why is CHASE.COM website dispute function not working for 2 weeks? How long has it not been working? 

I complained about this on XX/XX/19 to XXXX XXXX and her supervisor XXXX and basically got told that those web functions are somebody else 's responsibility and I couldn't complain to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I contacted the collections company National Credit systems XX/XX/XXXX about a collections account created in XXXX, I was told they have documents dated XXXX showing a leasing agreement was and broken with XXXX XXXX XXXX previously owned by XXXX XXXX in XXXX of XXXX which caused the account to go into collections for {$2600.00}. 

I explained the lease was not renewed past XXXX of XXXX and the collections company said they need to dispute the account with XXXX XXXX because the file states otherwise. On the same day I contacted XXXX XXXX XXXX XXXX multiple times via phone and email from XX/XX/XXXX up until XX/XX/XXXX and finally got a hold of her and she advised after speaking with the attorney there that they have no documents of a lease being resigned past XXXX to support the claims that where was sent to collections in XXXX. They are using a clause from the XXXX lease that states lease agreement would continue on a month to month basis until cancelled. 

I explained to XXXX the standard procedures for renewing any apartment lease which is within 60 days of a lease expiring both a yearly renewal and a month to month lease would still need to be singed off for by the tenants and documented with the leasing office. 

In conclusion, they still deny and false claims on their end and the lease was on a month to month contract from XX/XX/XXXX - XX/XX/XXXX. 

Furthermore, I requested they provided dated and detailed information and documents for the reason why they are requesting {$2600.00} I'm still waiting on this information On XX/XX/XXXX I spoke with the collections company to share with them the information since they are working on gathering this as well. I was advised they requested the information on XX/XX/XXXX and have not gotten a response from them and need to wait on them to respond to resolve this matter. 

P.S I also would like to point out they allowed someone else to sign as me on this leasing agreement. If you view the signatures they are identical. ( Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: WELLS FARGO & COMPANY
State: GA
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:
During sometime around XX/XX/XXXX or XXXX XXXX 2016,  Wells Fargo closed a checking account that I had with and did not explained why they closed the account I also had a credit card with Wells Fargo. Once Wells Fargo closed the account, I had somewhere around $ XXXX- {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but Wells Fargo would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. Wells Fargo did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. Wells Fargo made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, Wells Fargo did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted Wells Fargo and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

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 non-monetary relief
Consumer complaint received 2019-10-04
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Ive banked with Regions for over a year and have had issues with my balance not matching payments and money missing so I started taking screenshots of my account when I would make purchases. Recently I paid a bill and then deposited money into my account. The money for the bill was removed BEFORE I deposited the money and then I paid some credit card bills. The next day my card declined and I opened my online account and I was negative XXXX dollar which wasnt possible. I went through it and overnight my account balance was higher and my first bill I paid before the deposit went in again AFTER the deposit. I called customer service and they said my balance on online banking was incorrect from pending transactions but my ATM receipt from my deposit says the same thing my online banking did before the transactions posted. I went through my screenshots of my account and added everything up from the last week and my account is short {$78.00}. They stole {$370.00} dollars from me last spring when I cancelled a bed set because the company was out so I moved money from my savings to my checkings to buy a different bed set until my refund went through. The money was immediately taken out and the next day I deposited a check for {$600.00} the next morning my account was short and like this time my purchase for the new bed set went through AGAIN when my check cleared. Im sure if I go through and add up when Ive had a lot of transactions Id find more money missing but that time I unfortunately didnt have any proof thats why I started taking screenshots of my online banking. When I make a lot of purchases or pay a lot of bills my balance fluctuates when items post.

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 2021-08-06
Company: EQUIFAX, INC.
State: TX
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 have previously submitted police reports, affidavits, and court documents to Equifax surrounding an ID theft issue which caused my credit score to drop over 100 points. Equifax had fixed all the issues except a XXXX XXXX account that was part of the ID theft and documented as such on the police report is still reporting as both a charge off and past due ( illegal to report that way despite the fact it is ID Theft ). This account was initially not showing on my credit report 3 months ago but now it is back. This account which shows a past due and charge off amount of {$6000.00} is still drastically hurting my credit score. Equifax needs to remove this account too and then my score will be back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received my Equifax annual free credit report online today XX/XX/2018, and my date of birth is incorrect. They also have my current address listed as a former address and my former address listed as current. The only option offered to dispute this is a link to a website, https : //www.ai.equifax.com/, and the page won't load.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
In XX/XX/2022, I paid in full this credit card with the understanding from the creditor that they would update my credit reporting by closing the account and deleting this account completely from my credit profile.

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 2017-11-18
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
( Advance America ) XXXX XXXX called my home several times after I told them not to. A XXXX XXXX called all my references and gave the all my personal information. XXXX XXXX told one of the references that they were going to take her to court and she gave her my personal information. XXXX XXXX also called XXXX and left a detailed message about garnishing my wages and sending a sheriff over to my house to serve me with papers. I have talked to several people and I advised them to never contact me by phone or my references and to send me correspondence, they still continued to call. I have asked XXXX XXXX for their address several times which they would never give to me. Someone should be punished for what they are doing to me. I offered to set up payment arrangements by sending a money order but they refused and said they can only take payment from my bank account. I still hold Advance America responsible for all of this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you 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 2018-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXXor XX/XX/2018, I requested my bank Wells Fargo to place a stop payment to XXXX XXXX in the amount of {$220.00}. On XX/XX/2018, I was charged {$31.00} for the stop payment fee. To my surprise, on XX/XX/2018, when I checked my checking account, XXXX XXXX successfully withdrew {$220.00}. I immediately contacted Wells Fargo to ask why was XXXX XXXX paid {$220.00}, XXXX XXXX of Wells Fargo gave me a ton of excuses even though she saw that I had a stop payment to XXXX XXXX for {$220.00}. I was asked to get transferred to a supervisor and that's when I was talking to XXXX XXXX who did the same as XXXX. She gave me a lot of hot air was not able to explain to me why the bank made the error. Instead, both XXXX and XXXX said I need to fill out a dispute form and that once it gets investigated ( 10 days later ),  that I would either receive the funds back into my account or not. This bank is the absolute worst!

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 2023-02-20
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received two letters two months ago in XX/XX/2022. The name on the letters was XXXX XXXX which I never saw or used before so I didn't open the letters. A few weeks ago I noticed the my credit score dropped and there was debt collection from DRS - Debt Recover Solutions. Then I opened the letters found there were debt of {$1100.00} and {$330.00} but I never saw or recognized the service provide nor any information in the letters. 

The weird thing is they know my address and social number so they put on my credit report. 

I called DRS and they verified the date of birth is wrong. They said someone steal my personal information including the social number so they put the debt on me. 

This is fraud. I never use the name XXXX XXXX. I never received medical service by XXXX XXXX XXXX. I look up the service group. It is in NJ. I have lived in CA for more than 12 years. This is ridiculous. 

Please help to investigate this. I don't know how to prevent similar things happen in the future since they already got my identity information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have several loans being managed by XXXX XXXX. All of these loans have been enrolled in an income based repayment plan, according to the rules for Public Student Loan Forgiveness ( PSLF ), for the better part of 6-7 years. During this time I have worked for a 501c and have submitted my Employee Certification Form every year. I make my income based repayments ( IBR ) every month and have not missed one.

However, every month I am sent a loan detail summary and the total payments XXXX XXXX says I have towards my PSLF is inaccurate. Some of the loans show as little as 3 payments, others a bit higher, but none of them show the correct number of payments for the amount of time I have been enrolled in this program.

On XX/XX/2018 I called XXXX XXXX about the incorrect qualifying PSLF payments shown on my monthly statement. I spent several hours on the phone and spoke to a few different employees from different departments ( employee ID XXXX and XXXX ). Ultimately I was told all of my payments would have to be researched and verified against all of the Employee Certification Letters I submitted. I was told this would take about 6 months.

It is now 8 months after I had this conversation. I have received no follow up from XXXX XXXX   and my monthly statements from them continue to show incorrect qualifying PSLF payments. In fact, since my phone conversation, the total number of qualifying PSLF payments on my monthly statement has not changed. Every month the numbers are the same.

It feels hopeless calling this company over and over again, reiterating the same story and hearing the same thing. I feel like this will never get addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting harassing calls from the Western Shamrock trying to collect a debt in which I was listed as a reference ( I do not owe this debt ). The local branch manager sent me the Collection and Past due amounts for the person they are trying to collect from and asking that I get in touch with their client. I am only the reference and I do not owe the debt. They keep calling even after telling them to stop calling. I receive correspondence from them. The local branch manager and their employee are harassing and keep calling on a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
there is a XXXX account reporting on my credit file, which is a fraudulent account and does not belong to me, i had not inquired or applied to this inaccurate information reporting on my credit file, but when i disputed this inaccuracy was removed and them put bank on my credit file after 6 months, this is not my account, when i disputed experian which is the only one who is reporting this account, they said they will not dispute ever again and i should not be sending them any type of paper work if i have any, no more disputes.

but since this is not my account whether it is positive or negative, why should i have this inaccuracy on my shoulders..

please help me to have this inaccuracy removed from my credit file, i will be attaching my police report, and ftc report. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/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 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  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collection for an old credit card debt, XXXX XXXX XXXX has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.

Company response to consumer: Closed with explanation