BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: U.S. BANCORP
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I had two XXXX CDs with State Farm Bank. State Farm bank formed an alliance with US Bank. In that alliance the bank products at State Farm were sent then sent to US bank. The two XXXX CDs that I have then incurred a {$30.00} per year fee. They also now have a {$35.00} fee to transfer the funds to another institution. I am a State Farm agent, I opened these accounts, and these fees did not exist. I am told these fees were disclosed on the transfer. I have done my research on the State Farm side and see not information on XXXX accounts. When I asked why I learned that in the alliance Coverdells are no longer sold. Hence there is no info on fees. In addition, the customer facing information for state farm customer in the alliance is to go to US bank 's mobile site. On their mobile site they do not disclose fees. When I asked why there are no fees on the mobile site when accounts are renewed or transferred out I learned from XXXX XXXX, the alliance coordinator from US bank that the clients should go to the full desktop site to see fees. That would be fine and good if State Farm did not instruct clients to go to the mobile site. This information gap cost me {$65.00} per CD on XXXX 's that earned under {$10.00} for the several years I had them. I also am having a hard time closing one. The SS # streamed over from XXXX to US bank is inaccurate so I have spent over 45 days waiting for the funds which still have not been released. I was told I would get forms to correct it. The forms were never sent. I did receive IRA distribution forms, not coverdell forms and no forms for SS updates. I am a registered rep, a 17 year state farm agent, a XXXX, XXXX, XXXX, XXXX. I am embarrassed I am the person who sold and serviced these accounts and have no access to accurate information on fee structures. The XXXX training info was last updated XX/XX/22 it is marked for internal use only so I can not provide it but it clearly states to send clients to the US bank mobile site which does not disclose fees.

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 2023-06-15
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: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Servicing of my mortgage transferred to Nationstar from XXXX as of XXXX 2015. 
There are two XXXX 2 XXXX detached dwellings on my property. Each carries its own homeowner 's policy and earthquake policies, for a total of four XXXX 4 XXXX policies. For the 22 years I 've lived on this property, the previous servicers have paid all four XXXX 4 XXXX policies. 
When my servicing was transferred to Nationstar, I checked for the existence of the policies in my escrow account online. The earthquake policies were not present, so I called Nationstar. They told me that since earthquake policies are not mandatory, they do n't have to pay them, so they are refusing to do so because it is not their company " policy. " It is my understanding that a servicer is to honor property tax and insurance policies that are attached to the property. I think it is outrageous that a servicer I did not choose XXXX Nationstar XXXX can refuse to provide this simple service. 
I further believe that Nationstar is illegally demanding that I continue to pay my earthquake policies while they take 3-4 months to determine what the new escrow payment is. I am being forced to overpay my escrow monthly, giving Nationstar FREE USE of my money. They did not indicate they will pay prevailing interest on these monies they are illegally demanding. 
**Note on my attachment that Nationstar indicates the date of the letter is XXXX/XXXX/2015, but I did not receive it in the mail until XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXX/XX/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 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX Dear CFPB, To my recent request to Bank of America regarding whether or not Bank of America provides reasonable accommodations to consumers who do not communicate effectively via telephone including teletype I received a rather disturbing response. 

I will let the public and the government agencies to judge Bank of Americas interpretation of the Americans with XXXX Act. My concern is about the fact that Bank of Americas response ( see the enclosed letter ) contains absolutely false information. 

Bank of America in the attached letter lists multiple ways that customers with non-typical abilities can communicate with Bank of Americas representatives. I have not verified if all the options listed by Bank of America in its letter are available to the consumers, but the one I had verified is not available. Specifically, in the enclosed letter ( which by the way I had received in XXXX of XXXX despite the fact that the date on the letter in XX/XX/XXXX ) Bank of America states the following : We offer accessible options for facilitating communications such as : XXXX ... > Providing the option to email us through the secure Message Center within Online Banking. 

The fact is that Bank of America does NOT provide an option for consumers to email Bank of America through the secure Message Center. This option was removed by Bank of America from its Online Banking website several years ago and it is no longer available to the consumers. 

Considering that Bank of America provided incorrect or even plainly false information about one method of communication that non-typical minority customers can use, I doubt that the other methods listed in the Bank of America letter are available to the consumers.

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 2019-01-24
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  sent me a letter indicating I owed {$530.00}, the original creditor listed as 'Paypal Inc. ' The letter from XXXX   referenced : Client Account # : XXXX XXXX   Account # : XXXX I have never had a credit line with Paypal ; I contacted Paypal and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but Paypal was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX # XXXX is reporting an account information incorrectly on 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 2019-01-24
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Santander is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid. 

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and XXXX so I disputed it since the account was paid in 2016. In response, Santander recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED. 

Santander is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal. 

Instead, Santander continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately. 

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and XXXX  reports. 

Both of our records ( mine and Santander 's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale. 


***Documents Attached*** - Not for Posting Examples from credit reports of how Santander is falsely reporting my paid account # XXXX on my credit reports. 

On XXXX, Santander changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On XXXX, Santander reported the Current Status as a current Charge Off/Referred to Collections making it appear new

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TN
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:
Dear, Consumer Financial Protection Bureau, I am writing to bring to your attention my ongoing issue with XXXX XXXX and XXXX XXXX. For the past year, I have been attempting to obtain written verification of a debt that these companies allege I owe. Despite sending multiple written requests for proof that the debt is my obligation and that it was me, and not someone else, who opened accounts in my name, I have yet to receive the documentation required to be provided under the Fair Credit Reporting Act ( FCRA ). 
I would like to note that these letters requesting information were sent through the CFPB and my attempts to obtain this information are easy to document. 
Under Section 609 of the FCRA, a consumer reporting agency is required to disclose to the consumer all information in their file within five days of receiving a request for such information. As of today, I have not received any such documentation from XXXX XXXX or XXXX XXXX. 
Furthermore, I would like to bring to your attention the liability of the credit bureaus for continuing to list these items in violation of the law. Under Section 616 of the FCRA, any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would like to make it known that legal action will be taken against all parties who are in violation of the law if these accounts are not removed immediately. I also request that any other statutes or language that might be helpful in resolving this matter be included in your response. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job and after paying on a home for 11plus years, reached out to Wells Fargo home mortgage in XXXX to ask about refinance options, or some way to avoid losing my home. After being told I didn't qualify for a refinance with Wells Fargo ... and endless calls asking about the HARP or streamlined finance or using equity in my home, etc. I was referred, by a Wells Fargo employee via phone, to a company to assist with the HARP process. I was instructed to fill out paperwork and then told to make a reduced payment, by money order for 4 to 5 months, while they processed everything. I was assured that the Florida company would be my voice to Wells Fargo, and checked back with company in status every 10 to 14 business days. In XXXX of XXXX, while leaving for my daughter 's theater performance. A gentleman came to my door and said he wanted to see if I had rights to any of the equity in my home, as it was sold at auction the previous Tuesday. There was no notice received, I was in shock. I was then contacted by a small home flipping business, who purchased my home and given 12 days to evacuate the home I lived in for 12 years. In the scramble to find housing, and pack up myself and XXXX children, I lost some of the paperwork which had the Florida company name. 
I know that the home had some renovation and then was sold by the auction purchaser for over 2x the amount I originally financed. Wells Fargo has been exposed for so much, but I've only heard of one other story making the news that is the same as mine. They took my stability, they took FHA incentives and I wouldn't be surprised if the auction purchaser worked for Wells Fargo too.

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 2020-09-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: V and H Portfolio
State: AZ
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:
VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. You cant place something on my file before you allow me 30 days to dispute! This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've been with this company since 2017 and have never been late or had an issue. I was consolidating some credit card debt and went to pay it off and they denied the payment. In the meantime, I still had automatic payment set and had switched it to full balance because I thought the other payment went through which it didn't. So I had my bank stop the second payment After I tried to get them to stop it. So then my credit card had a credit on it of XXXX I believe. Then they charged me charge refunded payment fee. And ever since, every payment I've tried to make they've stopped the payment and charged a return payment fee. I've called five times and they just won't budge and reverse any of the charges so I close my card after I paid it off today. I thought I had paid it off a few weeks ago and then I looked at it today and there was {$190.00} again from these fees. I want my {$100.00} XXXX {$29.00} XXXX, {$40.00} XXXX XXXX, {$40.00} XXXX ) back and the interest I paid on these fraudulent fees. Even the final payment I made today shows it was returned and than processed like all the others and they better not charge me another fee. Again I have never had any issues until I paid the balance off. This is RCI Barclay credit card.

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 2015-07-11
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My reverse mortgage loan servicer ( Champion Mortgage ) started foreclosure process on my loan, they claimed I no longer lived in the home. I have lived in the home for 40+ years and have never moved. They did not send me an annual occupancy statement. I immediately let them know that I did live in the home, jumped through multiple hoops, got aid and advice from a HUD advocate and at the end of the day they told me my loan was closed and I had to sign a new loan agreement which only gives me 17 more years. The mortgage I took out was for life, I can not afford to not get monthly payments so I signed the new paperwork. They forced me into this situation and I feel took advantage of me. I have all records and information that I will attach. I do not have email, my friend XXXX XXXX is submitting this with his email XXXXXXXXXXXX. Please confirm receipt to this email and communicate with me via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter for a settlement amount of {$3600.00}. ( Dont have copy ) I payed that settlement amount of {$3600.00} from a county XXXX XXXX account ending in XXXX on XX/XX/20. The account is under my wifes name XXXX XXXX XXXX XXXX Wells Fargo is still reporting this account as charged off and still past due over {$5000.00}. 

This account was paid off per the settlement letter sent in XXXX. 

This is unfair and unlawful. 

Please update my credit report ASAP. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief