BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.

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 2021-02-01
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 fraud alerts or security freezes

Complaint:
Experian is no better than a closed down business. No person answers the phone, returns phone calls, etc. There is no one to communicate with concerning my credit freeze with Experian.

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 2020-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts Reason XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been unable to access all XXXX credit reports online.

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 2018-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After filing a dispute yesterday against XXXXXXXX XXXX XXXX, my report today now has a delinquent report that was just opened from the company portfolio recovery A who XXXX sold the debt to. This is now being shown as a derogatory mark twice on my credit report. This account should not be reported twice! I initially pleaded with XXXX   to help me with interest decreases to make payments. I was in severe financial distress due to medical issues and bills. They would not work with me. The account was charged off and sent to this outside collections agency. This agency harassed me for years with upwards of 8 calls a day at times before XXXX and after XXXX. They finally stopped several months ago and the account was only showing once on my credit report as a closed charged off account from XXXX. Now it is being displayed twice, once as a charged off closed account from XXXX  and another as an open account under collections from portfolio recovery A.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: CA
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:
Equifax and XXXX XXXX still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I was scammed out of {$1000.00} for an online purchase. I reached out to my bank Wells Fargo to dispute the charges. I was told that a claim was open, I should be receiving my money back into my account and someone from Wells Fargo should be contacting me within 7 to 10 days. No one ever contacted me. I called back and Wells Fargo said I should be receiving something in the mail. I never received anything in the mail from Wells Fargo. I called back to Wells Fargo to get an update on the claim and was told to call back in a couple of days. I called back in a couple of days and was told there was no claim on file and the process would have to start over. I was informed a claim was opened up, Wells Fargo would investigate and to call back and speak to someone in the advocate department. When I called back I was told someone would call me back and there would be a resolution by XX/XX/2020. I never received a call back from Wells Fargo and had to call Wells Fargo back. There is still no resolution to my claim and I am still getting the runaround for over a month from Wells Fargo. If you could please assist me in getting this matter resolved. Also, I filed an FBI Internet Crimes as well. My FBI report is for {$960.00} however the total amount taken from my account was {$1000.00}. Please let me know if you need any additional information. 

Wells Fargo Claim # 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 2020-12-01
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was wrongfully reput a negative mark on my credit reports a debit not owed it was legally removed once and it was sold off to a 2nd collection and hit my 3 credit reports I have asked XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX for verification and stated a fact I needed a signed contract that I did indeed owe this bill all the would do is send me a list of charges stating accept this letter and list of charges as proof no copy of id was given to me and signed signature and not signed contract this was sold to them by MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Recently I submitted a complaint around XXXX this year regarding Capital One. ( Capital One Case:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Basically they are accusing me of {$500.00} of non returned checks back in XXXX. When I just started working in XXXX, the month before.Maybe this occurrs with some people, but not me.And I've prompted and initiated an investigation within their fraud dept. to not only clear my name, but bring this account current to what I truly owe.In case I wasn't clear.Because up until this situation, I've always paid my debts.Well I am back now to submit another complaint because Capital One has raised their Apr sometime after I submitted the initial complaint, making it impossible for me to pay this debt off. I've even tried paying over a hundred dollars at their request just to be done with it and it didn't even put a dent in it.Because they informed me my {$50.00} wouldn't be enough.Then they turned around and informed me by email that my {$50.00} was late. And on XX/XX/XXXX a XXXX XXXX reached out to me by XXXX  XXXX, explaining to me that ( as we discussed on our phone call, on XXXX XXXX, your account was restricted due to history of unreturned checks on the account.And that unfortunately, we are unable to reverse the restrictions and the account will remain closed ) .I had just lost my mom XXXX XXXXTherefore I personally and emotionally had a lot going on.As far as having time to respond to this situation in a timely matter.As well as process it.Basically nothing changed.In fact one of their reps told me she didn't see any unreturned checks.And proceeded to tell me the {$50.00} was not enough for payment.And that I owed over $ XXXX.I 'm just needing some resolve from this.Banks and other corporations should not be able to do stuff like this legally and especially after you make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions 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:
I have sent 2 certified letters and one regular postal letter indicating that there are errors in my credit report that have yet to be completed. It has been over 3 months with no 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 non-monetary relief
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for, and was approved for, a mortgage. We went all the way through the loan process, issued the 72-hour CD, assigned a Title Company and Closing counsel who set up the closing date/location. Closing counsel also insisted that I wire all of the closing funds to her the day before the closing, which I did. On the day of the closing Wells Fargo left me - literally - sitting at the closing table and did not show up with the mortgage funds. It defaulted on the committed loan and put my deposit at risk - as well as my moving expenses - with no explanation and for no apparent reason. 

I filed a complaint with OCC, which referred me to CFBP. You contacted Wells Fargo and it issued a letter, which included no explanation whatsoever as to respond to why this happened, and refused to compensate any of my expenses, including the attorneys fees that I had to pay to the Wells Fargo lawyer who was holding all of my funds!. They pretended to not even know who their own agents are or why the closing process required the funds to be wire-transferred. Apparently CFBP acts only as a messenger service to shuffle complaints and responses back and forth, and does not act even when the response clearly does not address the complaint. I would never have imagined that a major bank could be this irresponsible, or that there is no government agency that is willing to take notice and protect the consumer.

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 2020-12-01
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
CMG Financial has held my loan for about 5 years, there was never one late payment and we recently refinanced out of an FHA loan with a new company and for a lower rate. The loan was closed and payed in full as of XX/XX/2020 and I am currently still waiting for the Escrow refund check, as per the guidelines there is a 20 business day waiting period which this has been over and when I call them they can not tell me why I still haven't gotten my refund of MY money. This is against the guidelines and if it were the banking/financial institution they would be charging all kinds of late fees and interest. Why os it ok for them to not follow protocol and guidelines when they are holding the consumers money!? This is a disgrace of the servicer of my loan to not be meeting guidelines set forth for them but require us as consumers to always follow guidelines and make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan with Union bank. They contacted me for a refinance. My current rate is a XXXX. They offered a rate of XXXX. I filled out the paperwork. Most of this was online since COVID was going. Ive retired since I acquired the first loan and my income isnt as much as when I was working. They told me I didnt qualify, asked if someone could co-sign. I told them my son, but he doesnt make much money. We sent his info. The loan officer called and said everything looks good. He said I needed to show 6 months of reserve payments and pay a {$500.00} loan processing fee. I did both. About 3 weeks later I get a little letter in the mail, saying we didnt qualify and no loan. I called the loan officer and asked where my {$500.00} was He said it was non refundable. No one told me that and on the receipt it doesnt say that I asked to speak to his manager, was told he would call me later Never received a call back

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 2018-03-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear consumer finance Protection Bureau. 
To whom it may concerned, I wish to filed a complaint on Citibank. on XX/XX/XXXX, I applied for a debt Consolidation loan through my credit union to consolidate several accounts. But as of XX/XX/XXXX only two was not resolved, the best buy with a balance of ( {$440.00} ) and Home Depot balance of ( {$800.00} ). My credit union relationship specialist has been working on helping me in resolving this situation, but to no avail. 
sincerely 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 2018-02-10
Company: Mercedes Benz Financial Services
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:
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : FED LOAN SERV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.

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 2017-08-08
Company: First National Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently wrote a letter to the debt collector company of First National Collection Bureau to explain how, where, and when was the original debt collector of XXXX XXXX XXXX who did not notify me of any transactions which I was not aware of from the original creditor of XXXX XXXX XXXX, when I am a XXXX XXXX XXXX person on assistance in Minnesota since XX/XX/XXXX to not know anything until I have slowly recovered. I feel that anyone can be using my name, social security number, credit card or any information of me to fraud. Please advise me on this situation for which I feel I do not owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone just used my name, SS number to open a account wth XXXX just a few mins ago Please help me this has happen a lot for me .. 
Thanks very much, 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 2018-03-30
Company: BB&T CORPORATION
State: NC
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:
I sent out letters and tried to rectify everything with you Financial institution I have asked them for they were confirming these were in fact my inquiries and I let them know that I had I didnt need that in the past two years and I had a lot of stuff that was not mine again I have asked them to remove these inquiries or show me proof in which they are unable to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I HAVE ASKED TO PLEASE UPDATE MY CURRENT CONTACT PHONE NUMBER WHICH IS ONLY (  XXXX  )  XXXX . Please delete past phone numbers (  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 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