BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Banks have a know your client policy .citibank to be exact i was issued a check from my annuity.money was on a check for XXXX dollars .citibank has had the time to find out how and who fraudulently endorsed a check .my check .the name is on the check and all of the required information.i was suppose to recieve the check XXXX XXXXive complained to the annuity department in the month of XXXX saying i didnt recieve a check .during a jobloss from XXXX XXXX.im tomd in XXXX someone cashed the money ... no identity of the person that signed the check.of the teller or where the check was cashed.i was tomd to contact the olice dept.and still the same results never changed a single thing.so far no money .my pension savings no money has been reimbursed ... citibank has not held anyone liable as of yet and i have been without my funds since it was issued XXXX XXXX2020.funds have not been recovered at all ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took a student loan but, I was overcharged I always was charged late interest eventhouh I paid on time electronically. The loan was split just to overcharge more interest and the bill statement was never send on time but late, but sometimes the bill loan was never send at all. I was charged over three times the price of the loan I borrowed {$9000.00} dollars but I paid almost {$20000.00} I paid the loan very early in advance. 
I was told that if I paid the loan on advance and in full I will have a 25 % discount but the never happened Wells Fargo bank intentionally is always defrauding students and people I want Wells Fargo Bank to be penalized for fraud and abuse of power.

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 2020-10-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with New Rez, LLC who also collects my escrow reserve funds.

I identified an issue with my escrow account when I received a letter from New Rez in XX/XX/2020 informing me of a shortfall of funds in my escrow account. As a result my monthly payments increased by {$430.00}. I then created a spread sheet with all my payments including principle, interest, escrow , County tax payments and home insurance payments. At this point I discovered duplicate Country tax payments. I first reached out to New Rez ( managed by Shellpoint Mortgage  Servicing ) by phone on XX/XX/XXXX with subsequent calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I met my tax collector. I am current with my taxes and they have no record of duplicate or overpayments. I also wrote a letter sent via e-mail to Shellpoint Mortgage Servicing on XX/XX/XXXX. My overpayment of > {$4000.00} has still not been resolved. I keep getting the run around and told my info has been passed along to the tax department. My  last conversation on XX/XX/XXXX I was told my issue should be resolved between now and XX/XX/XXXX. I am more than frustrated. I want answers and I want my money refunded to me. I also want to manage my own escrow account moving forward. You assistance with this issue is much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, this is now the 5th tile I have tried to dispute this charge with Capital One, they have asked me for numerous amounts of documents that Ive spent lots of time getting to them and they have still denied me which is ridiculous because so many people are going through this same thing with XXXX and I dont understand how these credit card companies are not having there customers backs through this. My boyfriend and I stayed in XXXX from the dates XX/XX/XXXX-XX/XX/XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ), which was very difficult because everything was closed due to COVID, I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CL Holdings LLC
State: WA
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:
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/2020 my credit reports reflects a late payment with my auto loan through JPMORGAN Auto/XXXX XXXX XXXX. I have contacted Chase Auto, Chase Auto provided a letter stating there are " no late payments reflecting on any credit buearus. '' I have provided XXXX  with this letter to dispute/resolve- to no avail, my report still reflects a delinquent payment. What further steps do I need to take? I can provide supporting documentation as well as the contact number for the research specialist assisting in this very important matter. Thank you for your time and assistance regarding this very sensitive matter, Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Debt Recovery Solutions, LLC
State: MA
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:
The XXXX XXXX XXXX account on my XXXX credit report was supposed to be deleted a long time ago, I have told XXXX many times that the company that owns that account as of this moment has agreed to delete the account and I have given them prove of it thru the CFPB, the conversation that I had with the company that owns the account has also been provided to experian and it seems like they ignore it. I dont like it when a company thinks that they can do whatever they want with a consumers credit report and not care one bit, I have disputed this account with them like 3 different times and they wont delete it, they just keep updating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to get internet service with XXXX XXXX, but after several attempts to start my service they were never able to secure my connection. Therefore being in the 30 days window of service, I cancelled the service due to failure to secure a internet connection at my residence. I call XXXX ( XXXX ) and got a confirmation cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested mortgage assistance with my servicer Wells Fargo several times they have refused to assist me. I recently retried and I only receive Social Security and I don't want to lose my home. Wells Fargo has sent me in the mail from Wells Fargo executive office with the deed and note for XXXX XXXX XXXX XXXX equity line of credit whom reside in another state. Is Wells Fargo confusing my mortgage loan with another borrower whom has a Equity Line Of Credit? Are they trying to foreclose on my home with incorrect information in their files.

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 2021-01-29
Company: OneMain Finance Corporation
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/, XX/XX/, ONEMAIN FINANCIAL add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-11-10
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: Account information incorrect

Complaint:
this is not a duplicate request. 

I received documented proof of my XXXX  student loan accounts being in forebaerance from the XXXX company a couple of weeks ago, I submitted that proof to the Experian, XXXX and XXXX   company to have the incorrect late payment status for the months that the loan was in forbearance status to have my file corrected, I will attach the letter sent to me by the XXXX company again, which shows proof that this loan was in forbearance status from the company themselves. I will attach proof that the XXXX and XXXX company have corrected my record, but the Experian company continues to report these wrongfully reporting late payment dates even after receiving the same documents that was validated by the XXXX company to XXXX and XXXX, also experience is doing the same thing with the wrongfully reported chapter XXXX bankruptcy on my name. XXXX and XXXX have corrected the record for this and Experian has not. I will attach all the same info that I sent time and time again to the Experian company to show proof that they continue to do what they want and not what the law say, and I will also point out that this is considered slander of my name. please remove these inaccurately reporting lates from the navient company and the inaccurately reporting chaptyer XXXX bankruptcy

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 2020-09-18
Company: BlueChip Financial
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Hello, I realize that your lending entities operate under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of 2 years I have paid {$9900.00} to your agencies in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me personally severe financial duress and potential eviction from my residence. Particularly during a global pandemic when millions of people are out of work and struggling to make ends meet this seems even more unfair and exploitive. It makes me very upset when I think about the XXXX  of dollars I spent digging myself out of this trap, and I do not want it to happen to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: TX
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:
There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue. 

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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 noticed several inaccurate accounts on my consumer 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 2017-12-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX must be forthright, must be truthful, must not play games, you must answer this question, you must produce the documentation, you must " PROVE UP ''. 

Occ # XXXX -published Cfpb # XXXX Letter Dated XX/XX/2017 Chase sai the exact ; XXXX funding securitized the loan into a mortgage trust for which XXXX XXXX was the TRUSTEE. 

Prove up with documentation that XXXX XXXX was trustee of above said XXXX loan? 

DO NOT CONTACT CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is being filed against Cardinal Financial due to a dispute over {$4800.00} that is incorrectly included in the loan amount : 2020 property taxes were fully paid to XXXX prior to closing new mortgage. The check from previous lender was dated XX/XX/2020 and the city of XXXX recorded the taxes paid in full on XX/XX/2020. 

Cardinal Financial errantly included final tax payment as part of loan when it was already paid in full. This was in the amount of {$2800.00}. Date of closing was XX/XX/2020, 6 days after taxes were recorded as being paid in full. When Cardinal Financial was  questioned about this discrepancy, they stated a check was sent to the city of XXXX for the final tax payment but the city of XXXX has no record of receiving that check as of XX/XX/2020. As of XX/XX/2020, we have not received reimbursement of these additional funds. Check number and tracking info has been requested numerous times and Cardinal refused to provide. 

Cardinal Financial requested the payoff statement from previous lender on XX/XX/2020, which expired on XX/XX/2020. A new payoff statement was not requested prior to closing on XX/XX/2020. This resulted in the payoff amount being greater than the actual amount owed resulting in the new mortgage being incorrectly inflated. The difference between what was owed to the previous lender due to the lack of requesting a new payoff statement is {$1500.00}. 

Per the records on Cardinal Financials secure website, on XX/XX/2020 the loan principal balance was stated as {$140000.00}, a principal curtailment was posted on XXXX XXXX in the amount of {$1600.00} resulting in a principal balance of {$140000.00}. However, the loan was sold to XXXX XXXX on XX/XX/2020 in the amount of {$140000.00}. Cardinal was alerted to the difference in payoff amount and tax payments, Cardinal assured us that this would be corrected at closing. Accurate closing loan amounts were requested, however, never received. After the loan closed, Cardinal has been unresponsive to our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: TX
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:
( 1 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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. 


( XXXX ). In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX Account # 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. 


( XXXX ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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. 


( 4 ). In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, XXXX. Account # 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. 

( XXXX ). In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX Account # 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. 

( 6 ). In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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. 


( 7 ). In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction.

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