BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Certified mailing # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, stating that People 's United Bank, N.A. was loaned the promissory note, and per GAAP has a liability equal to its value, no response. 
XXXX XXXX XXXX XXXX XXXX, XXXX Cease and Desist Notice ( engagement letter ), stating failure to respond to the previous eight ( 8 ) certified mailings was agreement to terms and all further contact would be considered contracting with and engaging the consultation services of XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX, XXXXNotice of dishonor through non performance, non response from notary. XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$100000.00}, due immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX Notice of Default Notice of Estoppel by inaction. 
XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX -Notice that accounts XXXX, and XXXX have a XXXX dollar balance, Notice of exposures and liabilities to 15 U.S Code 1638 ( 2 ) ( A ) ( i ) ( ii ) ( iii ), B ( ii ) ( iii ) ( iv ), and 15 U.S Code 1692e ( 1 ) ( 2 ) ( A ), ( 9 ). 
XXXX XXXX XXXX XXXX XXXX, XXXX Billing Notice Opportunity to Cure, Notice of exposures and liabilities to 39 U.S Code 3001 ( d ) ( 1 ) ( 2 ) ( A ) Filed with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXiling Number XXXX : XXXX : XX/XX/XXXX XXXX, amended XX/XX/XXXX, am XXXX Total Due {$150000.00}. 
In spite of the above Peoples United Bank, N.A. continues with False and Misleading statements, and inaccurate filings, for more than 3000 days on these two accounts. 
Further, pursuant UCC 3-311, Peoples United Bank , N.A. received tender of payment in full satisfaction of Peoples United Bank, N.A. claims on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. To date Peoples United Bank, N.A. has exercised ownership rights over the viable commercial paper without settling the accounting or providing notice of dishonor pursuant UCC 3-505.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
On XX/XX/2019 my XXXX XXXX  account was closed because I ordered a personal care object on a bad online site that I wasnt aware of, so they closed my account even after hearing me out and knowing the situation. I also just received my XXXX XXXX report and it shows that ( reported information ) you guys received from XXXX XXXX XXXX is showing to other banks. When this happened with my account I tried to dispute this with the bank, they said because if this they would give me my account back but never did. Because of these reports I cant bank anymore, anywhere..

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 2017-11-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Serious breach of privacy by JPMorgan Chase : My husband and I have all of our accounts wXXXX JPMorgan Chase. Recently, our adult son, who has the same first and last name as my husband, opened a checking account with Chase in XXXX, XXXX. XXXX XXXX was the relationship banker who assisted him with opening the account. When my son went to view his new Chase account online, he was also able to view, access and manipulate money in my husband and my accounts as well as his own. Both my son and I called Chase to let them know about the error and were told one of us had to go into a Chase branch to straighten out the problem. I went to my local branch in XXXX, XXXX on Monday, XXXX XXXX and reported the problem to XXXX XXXX, Branch XXXX. She reviewed my account information and contacted someone in the Chase back office and let them know there was a mix up with my husband 's profile and my son 's profile and that my son had access to our accounts in error. XXXX XXXX gave her colleague the information to correct the problem. They said they were not able to resolve the issue and I was told my son would have to go to the branch where he opened his new checking and give them the " Know Your Customer '' information again in order for XXXX to be able to correct the problem. It is now XXXX XXXX and XXXX has made NO attempt to contact my son to ask him to go back to the branch and provide the info. they need and have not taken his access to our accounts away. It is now over a week since this breach of our privacy has been in effect and my son still has full access to our accounts in spite of my actions to correct the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt keeps being reported even though I did not open this account in XXXX as it says in the credit report. I closed my account with XXXX in XXXX and paid the bill off in full with a check from XXXX XXXX XXXX. 

First off, this debt should be removed immediately because it is not my debt as I did not open this account. 

Second, it should be closed because even though I have known this is not my account I was so scared of getting bad credit that I actually paid the balance in full to XXXX XXXX before XXXX because I was getting harrassed by them. 

There is no way this should be on my account still and there is either fraud or innaccuracy here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Experian Information Solutions Inc.
State: OH
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 never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances ... XXXX and XXXX XXXX have remove this debt why is Experian not complying!!! Delete the late payments on XXXX 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 2022-10-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello : My husband and I each have a Sears Master Card with my husband as the primary. We are having issues making payments and are being charged a late fee when they will not accept the payment or have made it impossible to pay online. I have called over 10 times to recitfy this. I am unable to use my actual working card to set-up an online account. It says we do not have a card with Sears and obviously we do. They have sent us new cards previously due to this, we have asked the customer service person to set up Auto Pay and while they say they have done so, it never comes out the next month and I receive a note my bill has not been paid. When I call the wait times are so outrageous -- over an hour -- to receive a customer service rep that has difficulty understanding what I am asking due to language barriers and my requests are never implemented even though I am told that they have been completed. While trying to make a payment online, today even, my card is still not registered in their system. I have filled out legal paperwork to be able to pay the bill, even though I have a card in my name, and they refuse to take my payment over the phone as it is " not in my name ''. I am repeatedly charged a late fee. This has been going on for over a year now. I am at a loss as to proceed and do not feel it is fair nor reputable to not take a payment and charge a late fee, and for a company not to be able to assist a customer register an active credit card to pay online. I am in need of assistance. 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 monetary relief
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 following student loans were reported on my credit report.. .I disputed the accounts with XXXX, XXXX , Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, USDOE/XXXX XXXX, US DEPT ED 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 2019-06-22
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and found the following to be errors. Here as follows are items in error : Medicredit {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I requested a personal loan for 100,000 thousand dollars from Wells Fargo branch ( XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) on XX/XX/2022. Personally, I have close to 300,000 dollars in a portfolio account with Wells Fargo. I requested the financial advisers/loan customer service representatives to speak XXXX since I feel more comfortable speaking my native tongue. All the details of the loan notes were written clearly by XXXX XXXX XXXX relationship banker of Wells Fargo Bank, XXXX XXXX. I believe a few days later, I was contacted by white financial advisers from Wells Fargo regarding my loan application, I requested to speak to a XXXX speaker representative/translator my request was denied. Again, the white financial advisers in condescending manner ask the same questions that XXXX XXXX XXXX ( relationship banker ) already explain in detail in his notes sent to the loan/financial adviser department. I told them I felt discriminated and I needed a XXXX speaker representative or translator and I was totally ignore. I open up an internal investigation with Wells Fargo regarding this issue and I told them I felt discriminated based on my race, ethnicity as well as language. On XX/XX/XXXX, a Wells Fargo representative called me that my personal loan was denied because of the amount and I told them how so if I have close to 300, 000 dollars in the account and Wells Fargo can use that as collateral/secured loan. I know I was discriminated for my race, ethnicity and language barrier and I want a full investigation in Wells Fargo practices towards mortgage, personal and business lending to XXXX individuals and other minorities period. I know deep in my heart if I would have been a XXXX  man asking for a personal loan for the same amount of money that I ask, I would have been approve in the spot. We are in the year 2022, but ethnic minorities like XXXX and XXXXAmericans continue to encounter open gestures of XXXX discrimination, denials of mortgage, personal and business loans even do we may have outstanding credit scores or portfolio accounts than a regular XXXX  person. I need this investigation to start asap and go to the highest levels, so other minorities do not have to go through what I went through. One thing for sure, Wells Fargo lost a loyal customer of over 20 years and I will tell my family members, friends and relatives to close their accounts in Wells Fargo and open them in banks that really value minorities as customers. It is imperative that these illegalXXXXdiscriminatory practices in mortgage, personal and business loans stop immediately at Wells Fargo towards minority groups such as XXXX and XXXX American customers. Also, I will definitely consider legal actions towards Wells Fargo, because enough is enough and wrong is wrong no matter who does it.

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 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and found the following to be errors. Here as follows are items in error : XXXX {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Improper use of 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 2017-11-09
Company: EQUIFAX, INC.
State: VA
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 company " XXXX XXXX '' shows a first reported late date of XXXX. The vehicle had been repossessed and was in the possession of the creditor prior to this day. I have repeatedly disputed this with the credit bureau and creditor, as I want to ensure this is removed in a timely fashion when the seven year period of allowed reporting has elapsed in XXXX XXXX want the record either corrected to show first major delinquency of XXXX or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is regarding Ocwen mortgage company. My father passed away and willed his home to me. I filled out a loan modification form and submitted documents to Ocwen. That was XXXX XXXX. Some months passed I never heard back from Ocwen, so I called them only to find out that the loan modification papers were never processed due to the fact that I had to fill out forms for an assumption for the mortgage first. I was never informed until I called and initiated communication with Ocwen. I can not get an answer to any of my questions. Ocwen dropped the ball now they are covering up this mess by trying to foreclose on my home which is under water. Plus I sent them XXXX XXXX XXXX XXXX a good faith payment of {$5000.00} when I was in debt to them for {$8000.00}. Instead of applying the payment to my account, they had the nerve to send it back to me because it was not the full amount. So basically my debt would have been {$3000.00}. This company created this mess, will not correct the problems and could care less!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On X/XX/2017 at XXXX XXXX Capital one auto finance sent a repo man to repossessed my XXXX XXXX. I never received any written notices prior. No phone calls. When they towed the car no one left me any kind of documentation that the car was repossessed. Called Capital one X/XX/2017. The person I spoke with XXXX did not have my correct email, phone number or employer. I was told that they sent me notices. They also told me the called the number and left messages. And called the wrong employer. I was told that the employer never answered the phone. Odd they had all the wrong information to contact me but had the correct address to sneak my car away in the night. I was charged a repossession fee and {$140.00} to retrieve my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I had wireless phone service from XXXX. I had home phone and Internet service from XXXX as well. XXXX itself was divided into two separate entities. So, in order to pay my wireless bill, I would have to go to a XXXX wireless store. The wireless store would have no record of my wireless service and told me to contact the other XXXX entity that provided the home phone service and Internet, they would again re-direct me to contact the wireless store to settle the debt. I tried to settle this debt at, at least, two XXXX stores, and told once again, they have no records on file for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A dispute was placed on a credit report regarding a medical bill that my spouse owes. I contacted the company and they informed me that this was a medical bill that my spouse owes and it is now my responsibility. I informed the lady on the phone that my husband XXXX away and she stated the bill is now my responsibility. I live in Mississippi an and it is not a community property state. I did not sign or agree to this debt and hold no obligation to repay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: GLOBAL SOLUTION BIZ LLC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company has been blowing me up for a debt that i thought was closed out and charged off 3 years ago. They threatened me with a UCC filing to seize any assets i own, would stop me from being able to register and buy a car, stop me from getting new housing. I attempted to start to take action and start to pay it anyway even though my business the loan was for has been permanently closed for 3 years. The rep never called me to set up a payment option for it like she said and then contacts me again saying i missed the payment now its double what is needed for the next payment as well as the previous payment otherwise legal action will be taken. I also mentioned to them i have to wait for my commission check that i get every XXXX of month. Said that they could not wait and needs something now. Wont let me pay off in a year needs it done in way less or the filings will go through. I never received anything in the mail about this either. and supposedly this has been sold to 6 different collectors

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation