BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
These text copies are from Western Union Netspend ( XXXX ). 
1.Welcome to your new Western Union Netspend card ending in XXXX. Your card is now activated. 
2.This confirms the block has been removed from your Western Union Netspend card . You may use it immediately.

3.Your balance is $ XXXXWestern Union Netspend : {$410.00} available after {$260.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs 4.Western Union Netspend : {$780.00} available after {$780.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs The complaint is concerning not possessing this card ending XXXX. 
Please help me by blocking withdrawals and any other protection against fraud and scam. 
Thanks again for your advice through this website article. 
Truly yours in expression,

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 2021-06-01
Company: Experian Information Solutions Inc.
State: NV
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 filed chapter XXXX Bankruptcy on XXXX, XXXX 2021 my bankruptcy was discharged with a XXXX balance. In my Bankruptcy these creditors were added. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I've notified all three credit bureaus. All accounts where discharged with XXXX balance owed. However, Experian is still showing all the accounts as, negative with past due payment history. According to the FCRA DEBT that is discharged in Bankruptcy should show XXXX balance, discharged in Bankruptcy. If anything else appears on the tradeline especially if it is derogatory information, then that violates FCRA. FCRA mandates that that I disputes this with the credit reporting agency as, they are not accurately reporting. I have disputed this directly with Experian, and they have not corrected the issue they have made the issue worse by putting a statement in each severally account stating those accounts were terminated, when they were not. The accounts above are all reporting negatively on my credit report such as, late payments balances. Its hard enough having to fil bankruptcy due to covid-19, that has caused a XXXX XXXX XXXX XXXX. But to not report correctly has caused me not not be able to get some treatment because lenders are looking at past due payments, and balances which should have been gone through 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 2021-06-01
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor LexisNexis doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with LexisNexis when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. LexisNexis furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions Inc.
State: SC
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: Problem getting your free annual credit report

Complaint:
I have tried to access my XXXX file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on XXXX XXXX end. I just want to be able to check my report like I do with the other 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 2021-09-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 my business online bank account was hacked and {XXXX} was wired transferred without my acknowledgement or authorization. I immediately called Wells Fargo Bank NA. to report that I couldn't get into my online banking account and I had to call the 800 number to check my account. I made a claim to stop the Wire Transfer from happening and I was told that it would be investigated by the fraud department. It would take ten ( 10 ) business days. I received an email from Wells Fargo on XX/XX/2021 saying my funds of {XXXX} was refunded back into my account. Checked my account and no funds for that amount was deposited into the account. An amount of {$XXXX} was put into the account and Wells Fargo said that's was all they could recoup and the claim was now closed Wells Fargo told me to wait for the investigation process and then sent email saying funds of {XXXX} were deposited back into my account and it wasn't. I need my full amount back into my account.

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 2021-02-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Lowes just charged almost {$1000.00} in interest on my lowes personal credit card account that only had a balance of around {$3500.00} for no reason in error. This is the second time Lowes has inaccurately and inappropriately levied interest and fees against my account that did not belong.

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 2018-03-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made multiple purchases of Bitcoin from the XXXX online cryptocurrency trading platform. The purchases were made from my Fiance 's bank account in the following order : ( 1 ) {$700.00} ( 2 ) {$1800.00} ( 3 ) {$3000.00}, the third purchase for {$3000.00} was doubled charged to our account due to an error with XXXX and Coinbase ( XXXX has since taken responsibility for the double charges but Coinbase has not refunded me as I will get to. ) By the end of XX/XX/XXXX, {$5500.00} worth of Bitcoin was credited to my account with Coinbase. However, {$8500.00} was charged to our bank account indicating there was a double charge of  {$3000.00}. 

The Following day, XX/XX/XXXX two more purchases of Bitcoin were made of {$2500.00} & {$4300.00} while still unaware of the previous day 's double charge. 

Our total investment was a total of {$12000.00} that was showing in the Coinbase platform. However, we were charged {$15000.00} to our bank. After roughly two weeks of waiting for the return of our money, we contacted our bank and on XX/XX/XXXX {$3000.00} was returned to our account. 

Unfortunately, the following day Coinbase shut down my buying or selling options with a notice that they were owed {$3000.00}. My hope was that they would realize this was the amount of the double charge. On XX/XX/XXXX, Coinbase transferred {$3000.00} of Bitcoin out of my wallet and then charged me a {$44.00} transfer fee. All of this transpired and they did not notify me that money was taken out of my wallet or that I was charged a fee. Now, essentially the double charge has gone back into effect. Coinbase has responded with emails to my inquiries but not with any detail of how they will solve the issue, only that " we are having a specialist reviewing the case. '' The double charge took place 42 days ago, Coinbase withdrew {$3000.00} dollars from my wallet 26 days ago. How is it acceptable for this much time to pass and not have the problem solved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of this year ( 2017 ) my husband apply to Refinance our mortgage through XXXX ; XXXX XXXX XXXX XXXX. We gave all pertinent information and were given an initial rate. The rate lock has so many days to finalize all paperwork, or we would have to request another rate lock extension. We have and XXXX have requested a subordination agreement requirements from XXXX. XXXX has not made any effort to release the requested information. I have spoken with 5-10 different individuals without any one being able to verbalize the request. I have been unable to speak with the same person on any conversations I have spoken with XXXX. When I finally was assured this was going to be taken care of the processor from XXXX was made to submit the identical information so many times that my husband and I will have to start paying points for any further rate extensions. I have sent information by fax to then be asked for information that only XXXX can give. I have sent all documentation requested over and over again to XXXX as they are being asked by XXXX for the same information. But when the processor submits what they requested to comply, they are being told that the paperwork is incorrect. I have given the processor on 3 occasions permission to speak directly with XXXX to finalize all necessary paperwork to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First this company called my father in another state, and when they were told to stop harassing him they then called my cell phone. They are calling for somebody else, another name, yet are bothering and harassing us. Apparently they XXXX names and their XXXX agents go fishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Consolidated Credit Solutions, Inc.
State: FL
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:
Since XX/XX/2019 i have a deal with CONSOLIDATED CREDIT Solutions , to make my Credit Cards payments, ( 5 ) ... So, i have never failed my monthly payments with they ... and currently i found that there are Three ( 3 ) of my cards with " LATE DATES " several months in each one ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XX/XX/XXXX. I worked with XXXX XXXX XXXX  and I got a 30 year fixed rate loan. 

Within the first 2 months Wells Fargo - Home Mortgage took over my home loan. 

My monthly mortgage payment at that time and for the first year, until XX/XX/XXXX, was {$870.00}. 

In XX/XX/XXXX, I received a communication from " Wells Fargo - Home Mortgage '' stating that my escrow account " has a shortage of {$1100.00}. '' The letter ( attached ) gave me two options ; 1. pay the shortage of {$1100.00} and my monthly mortgage payment would now be {$930.00}. An increase of {$57.00} per month for the next year. 

Even If I pay the shortage My monthly mortgage payment still increases by {$57.00}??? 

OR 2. not make the one time payment (? ) and my monthly mortgage payment would now be {$1000.00}. An increase of {$150.00} per month for the next year. 

This was a fixed rate home mortgage loan. 

I've contacted both XXXX XXXX XXXX and Wells Fargo Home Mortgage. I was told that my taxes and insurance on my house had gone up so I would have to make the payments. 

I can't afford to pay {$1200.00} out of my pocket for the escrow adjustment, nor can I afford an additional $ XXXX {$150.00} per month on my monthly mortgage payment for the next 12 months. 

I am XXXX years old. I am " fixed '' income. My social security check went up {$3.00} per month. 

I am not their first home mortgage loan. How could Wells Fargo be so far off on their estimates. Is Wells Fargo Mortgage luring in potential buyers with low monthly mortgage payments and then jack-up the rates a year later? THIS IS JUST WRONG. 

Will this happen, AGAIN, next year or in following years.

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 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Captial one has inquiries on my credit report that I have no knowledge about with the same dates more than once, there is the dates XX/XX/XXXX, XX/XX/XXXX, listed 2 times on all 3 credit bureaus, XX/XX/XXXX listed once, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they did not have my permission to run my credit report and XXXX, XXXX and XXXX will not remove this inquiries stating the info has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On my personal property located at XXXX XXXX XXXX, XXXX, ME XXXX There the original mortgage, HELOC and HUD lien. My exboyfriend split up and he wanted to keep the house and in order to keep he has to refinance the original mortgage ( in my name and boyfriends name ) the HELOC ( my name and my exhusbands name ) and the HUD lien ( mine and exboyfriends name ). He said he would apply for a loan through Quicken Loans and roll everything in once loan in his name so that everything was fully in his name. Quicken loans said he was all set and the refinance was in process. Quicken loans called me to request a payoff for the HELOC because it was in my name and my exhusbands name so the exboyfriend did not have access. I signed their request. They also sent me a deed to sign off of so that the house could be in exboyfriends name. I signed the deed and had it notarized just like they asked me to. Next thing I know it is time for the closing. I was asked to go to the closing to sign the deed again which I thought was weird because I had already signed off. I asked the exboyfriend if everything was all set and he said Quicken Loans said it all was good. I went to the closing and was not allowed to see the closing disclosure because I was not on the loan. I signed off on the deed again. A few days later I received an email saying that my first mortgage was paid in full and so was the HUD lien. Waited and waited for the email from the HELOC that never came. I made him call Quicken Loans and the title company because no one would answer any of my questions. my exboyfriend called me and said they never added it in his loan. I asked him to request the title commitment letter. All 3 loans were on it so not really sure how it was missed. Now they are saying it was never to be part of the loan. How on earth do you do a refinance/loan to get everything in your name and leave out a loan and recieve cash out. I have gotten no where with these people and neither has the exboyfriend. Quicken loans messed this whole thing up and not taking responsibility for it. Now I have a loan out there on a property I no longer own. I would of never signed off on the deed had I been made aware that all 3 loans were not going to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: FEARON FINANCIAL LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the home buying process with Keller Mortgage. I was told they would pay my closing costs and prepaids and had various other items they would take care of for me. When I found a home for {$85000.00}, they told me they were not able to assist me with my closing costs as the loan was not profitable enough and they advised me to seek another loan with another company. 

I feel this is deceptive and they are only marketing this " paying of closing costs '' to those loans {$150000.00} or higher, as mentioned on their website. It is almost like they are redlining, in that they are steering away from the lower priced homes and not offering the same benefits to those people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX  # XXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX XXXX XXXX {$670.00}, XXXX XXXX  XXXX XXXX {$620.00}, XXXX XXXX  XXXX XXXX {$610.00}, XXXX XXXX  XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX/XXXX # XXXX {$2200.00}, XXXX/XXXX # XXXX $ {$0.00} XXXX XXXX XXXX # XXXX {$0.00}, XXXX  XXXX  # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO 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 non-monetary relief
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received this e-mail from XXXX XXXX and it upsets me that Trans Union would inform anyone or business about my personal financial status and payments without my consent. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX To : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX , you paid off an account Your TransUnion credit report shows you paid off your XXXX account. 
See where I stand Well done. This is exactly the kind of thing that will raise your credit score and get you more options in the future. 

Keep on rocking, The XXXX XXXX I not one to complain, but the sharing of ones personnal information is getting out of hand and to a business that does not need to know! 

IS the CFPB aware of this? Is there any chance that you can stop this from happning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Caliber Home Loans, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Caliber Home Loans numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, Caliber Home loans refuses to show the account as included  in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank ( credit card company for XXXX XXXX ) falsely claims they have an 'automatic payment ' process. This is incorrect and incurs a late fee as the consumer thinks they are setting up an automatic payment process when in fact the consumer must manage payments manually. A visit to the XXXX  XXXX  website ( XXXX ) shows multiple complaints from consumers who are being misled by this false claim of 'automatic payments '. Further, Comenity customer service states they will rectify the reporting of a late payment due to the misunderstanding ( as occurred in my case ), when in fact they will not which leads to falsely reporting consumer behavior to the Credit Bureaus. Comenity  is negligible in their handling of money, and most likely incurs a very high late fee income when compared to other Banking Cards. Their behavior can only be described as criminal, at best, as they are not conducting the management of their credit with consumers fairly. Date : XX/XX/2017. Amount was {$210.00} when noted as late. Comenity refuses to acknowledge their falsely claimed 'automatic payments ' caused the late notice.

Company response to consumer: Closed with explanation