BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID safer at home we took advantage of Wells Fargo 's covid forbearance to help financially. We have no history of late mortgage payments ever. Payments were deferred in XXXX, XXXX and XXXX. During those months statements were sent stating that payments would resume in XXXX. XXXX came and nothing was taken out of my account. On XX/XX/XXXX i inquired with Wells Fargo. They stated " your payments will not resume unless you call '' ( regardless of what statement says? ). So i asked that my payments resume and ask " my loan will not be in default correct? '' to which they reply " no you have nothing to worry about your forbearance payments will be deferred to the back of the loan ''. So my payments resumed in XXXX-i thought nothing more of it, UNTIL I completed my divorce and tried to refinance and find out my loan appears to be in default. I contacted Wells Fargo the last week in XXXX-who informs me my resumed payments have been applied to the forbearance payments rather than the current month therefor it was not deferred. I was then told would have had to do " special paperwork '' for the deferral to happen. I was not told that. I asked to speak to a manager and was transferred to " XXXX '' who assured me he would fix this with " Executive Office Team ''. XXXX informed me he would follow up with me by phone call on XX/XX/XXXX at XXXX. No call. XX/XX/XXXX i spoke to another manager " XXXX '' ( I got his last name, location and phone number ). XXXX also assures me this is being addressed and will return a call on XX/XX/XXXX. No call. on XX/XX/XXXX i emailed wells fargo-no response, XX/XX/XXXX I emailed again, this time threatening social media and XXXX XXXX XXXX-and recieved a confirmation email assuring me I would be contacted within 48 hours-again, no response! Today, XX/XX/XXXX I emailed again and informed then i am contacting you. NOW i receive a call from " XXXX '' who informs me " we have to do more investigating to see why it took so long to defer your payments ''. I am told this will be resolved and reported to the credit bureau 's by XX/XX/XXXX. I'm still filing this complaint because i do not trust they will follow through. I am newly divorced, had excellent credit until this and now can not refinance because of this issue. Thank you for any help you can offer.

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 2018-01-13
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Bank XXXX XXXX XXXX ONLINE APPLICATION on XXXX/XXXX/XXXX ; per email response additional information would be requested or additional review was to be completed within 30 days. 

Never received letter of denial or additional review from Chase. 

I called Chase today and after 30 minutes on the phone, I was told that the application based on the fact that no card was issued. They are able to provide additional information since it was already archived. 

I want Chase to reverse the credit report ding since they not meet the timely communication and/or approved my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I refinance my house with XXXX XXXX they paid off my loan on XXXX XXXX XXXX XXXX XXXX credited my account on XXXX XXXX XXXX XXXX XXXX reported me late for XXXX but XXXX made sure they had there check on the XXXX of XXXX I want this late payment removed from 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 2021-09-10
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I enrolled at XXXX in 2006 I ended up dropping and transferred to XXXX before graduating. I never received the difference in my financial aide that XXXX received. I tried to ask for loan forgiveness due to this and Navient denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: TN
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:
Cbna made two unsolicited hard inquiries on my credit on one day. It dropped my rate by 41 points. This is completely unwarranted.

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 2020-07-19
Company: Eastern Account Systems of Connecticut, 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 requested debt validation which was never received. I also sent validation letter via certified mail. The account was removed from transunion but remains on others. This debt was never validated and is in violation of fdcpa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$500.00} was taken from my account by a fraudulent user on CashApp on XX/XX/2019. CashApp made it seem like I was only approving the message from the user and not the actual transfer of funds from my bank account to the fraudulent requestor. When I instantaneously realized what happened there was nothing that CashApp could do to disable the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I had a scam occur through XXXX from a XXXX XXXX conversation over someone whos account was hacked fro trying to buy a dinning room table I was selling. They said my XXXX was not a business account and I needed to send {$1700.00} to activate it to send large amounts of money or in my case, receive large amounts of money. I immediately reported the scam to WellsFargo who then denied it because it was not unauthorized.

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 2018-01-13
Company: Experian Information Solutions Inc.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 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 2018-01-13
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since last XXXX XXXX, 2017, I have asked for these accounts to be corrected that I mention below which do not belong to me, as well as variations of names, addresses and social security # XXXX, without positive results. 

I have never had an XXXX XXXX XXXX # XXXX account which reports being lost with a balance of {$450.00} open at the moment, XXXX XXXX # XXXX that collects a balance of XXXX in loss of {$520.00}, XXXX XXXX # XXXX that collects a loss balance of {$190.00} XXXX # XXXX Credit limit of {$100.00} which I do not belong either. 

I have never lived at the following addresses, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX After the passage of Hurricane Maria by our Island I have not been able to carry out the pertinent procedures for the repair of my home either by a personal loan or with Fema for this situation that still can not be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2019-09-19
Company: SYNCHRONY FINANCIAL
State: PA
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:
SYNCB/TJX CO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
I received a auto loan from Credit Acceptance in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX Credit Acceptance sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, Credit Acceptance admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by Credit Acceptance and it showed I was all paid up but they still refuse to release my title to car. 
In XX/XX/XXXX, Credit Acceptance sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. Credit Acceptance still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.

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 2018-01-13
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, 2017, I received an email from Wells Fargo stating if I signed up for a VISA Checkout account and made a qualifying purchase of at least {$10.00}, Wells Fargo would credit my checking account {$10.00} within 45 days of XX/XX/XXXX, the last day of the promotion. I even created the VISA Checkout account through the link provided to me in the email. I have called this company numerous times ; however, my calls seem to fall on deaf ears. No representives seem to know about this promotion, and the reps who did know about it did not know how my account would be credited. The final rep I spoke with had me fill out a form that did not seem to go anywhere. This led me to file a complaint with the CFPB, which is utterly ridiculous, for {$10.00} - yes {$10.00}.

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 monetary relief
Consumer complaint received 2023-02-17
Company: Bridgecrest Acceptance Corporation
State: SC
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: Problem with personal statement of dispute

Complaint:
I was told by a representative at BridgeCrest, that if I made a payment to make the account current .that they would remove the late fees for XXXX & XXXX, I have made several attempts and nothing has ben done, I would like this to be remove off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, after finding out that my XXXX direct deposit had not posted on the XXXX as it always did, I called my case manager and was told that the money had been sent on the XXXX to be deposited on the XXXX. I contacted Bank of America ( BOA ) and after being on hold for over 35 minutes, I went to the branch on XXXX. After speaking with the Branch Manager and explaining my situation, she explained that they would call the ACH department. XXXX called the department and was placed on hold. While he was on hold, I pulled up the mobile app, and saw that my account had a negative bal. At this time, I went nextdoor to the credit union obtained some money to bring my account to a positive balance. When I returned, XXXX was still on hold but, XXXX said they would get to the bottom of things for me and call me. I never received a call. On XX/XX/2022, I received notification that my direct deposit I had posted this morning. At XXXX after the branch had closed, I received an email that I had been charged {$100.00} in NSF fees. I contacted the customer service department first I spoke with XXXX from New York, explained what had transpired and disputed the NSF fees. He stated that the deposited arrived this morning. I stated that this was not true and that it was confirmed that it had been sent earlier and was dated to be deposited for the XXXX as it had been for the past 2 years. I asked to speak with his supervisor and was eventually transferred to XXXX who confirmed that the direct deposit had been processing but that it had been finalized this morning. At this point, I interjected and stated that as a result of their processes I am being penalized to the tune of {$100.00} when they had my money, but did not deposit it in my account, how is that fair and how is that customer service? If anything, that is fraud.

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 2022-01-11
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I don't know that date it was many years ago. The company was Amscot. I have tired calling and going to Amscot. Nobody will tell me anything but that I have a loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern, I am extremely disappointed. I have tried several times to release the freezeon my credit report with Experian, as I have done numeroustimes before but the systemwouldnot allow me to release the freeze. Nothing has changedwith my information, address, social security number, birth date or anything so there is nota reason that I should not be able to release the freeze. So, I triedto call to see if I get get some assistanceover the phone and had no such luck. All the representativewould tell me is that I needed a pin number. Well XXXX, if I had the pin number perhaps I could have releasedit without having to call for assistance in the first place. I was able to release it before without a pin number. So that is all she kept telling me but I was never given a pin number and she could not give it to me over the phone or reset anything so I can gain access to my report, not even if I answered security questions. I understand the whole privacy concern but I could haveanswered any security questions. Instead she tells met that I have to send a copiesof documentation via US Mail, taking God only knows how many days to reach experian, let alone for the pin umber to get back to me get back to me so I can try again. I am trying to purchase my first home and do not need the added stress and delay.

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 2018-01-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.

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