BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
As has been my unfortunate experience with Wells Fargo, that they have behaved corruptly towards managing my VA loan and In the past I have filed many complaints in regards to their criminal type behavior. Further the Bank has a rating of " F '' from the XXXX  and over 4000 complaints in the last 3 years which makes the questions of honesty and trust difficult at best. Perhaps this is an honest mistake on their behalf but here is the latest issue I'm having with Wells Fargo : In Mid XX/XX/XXXX I received an escrow analysis from Wells, which clearly states an estimated shortage amount of {$820.00}, to which if I sent in a check for that amount, my payments for the month of XX/XX/XXXX would be {$910.00}. 
That sounded reasonable to me, but I haven't had much experience with Wells Fargo and reasonableness. So I did. I sent in payments of {$820.00} and {$910.00}. 
So, for the Month of XX/XX/XXXX I sent WF two separate payments, Both before the " late payment '' date, which is after the XX/XX/XXXX of every month. 
Attached you will find the escrow analysis, and Bank references to both the escrow shortage payment {$820.00} and payment for the new amount {$910.00}. in option 2 of the escrow analysis.

Yet despite these payments Wells is sending me a confused monthly statement which does not apply the money to their respective coffers, ( escrow, and monthly mortgage ), and then goes further to send a mortgage bill for the upcoming month of XXXX for the amount of {$970.00} as if they did not receive the shortage payment and are deferring to option 1. The correct billing amount for XXXX should be {$910.00} I've been down this road more than once with Wells. where I show them that I have paid any shortage then they take many months to resolve and very simple issue, than should take a matter of minutes to verify that the fund were received and adjust the billing accordantly. 

How hard is that? It took me minutes to log into my bank and verify the funds. I expect the same from Wells, not some long drawn out mess of confusion that I have experienced from them in the past.

I simply ask that Wells acknowledge they have received payment both for the month of XXXX and the escrow shortage payment for the month of XX/XX/XXXX and correct the XXXX mortgage payment amount to reflect the {$910.00} referenced in option 2 To confirm payments and make the Mortgage payment correction should be a matter of minutes, not months. 

Please find the attached payments and escrow shortage analysis.

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 2018-01-26
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was opened in XX/XX/XXXX and is still reappearing on my credit report. Please remove this Auto Loan from credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX  XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the credit bureau to ask to investigate the reporting of this account XXXX  XXXX XXXX they have claimed they have verified this as accurate when there is a clear violation in the reporting. This account is reading a charge off with a balance of {$4900.00}. This is a clear violation as a charge off should have a XXXX balance.

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 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I signed an affidavit regarding a forged signature on check issued from Capital One several months back, emailed to address provided, the number provided was called numerous times, Capital One reps do not have any information in re. The amount of which is {$4200.00}. The bank which check was cashed at was contacted, XXXX XXXX, they claim no receipt of affidavit from Capital One. I had reached out to person whom cashed check at the time, unable to obtain funds from, I requested Capital One re-investigate matter, their rep referred me back to person whom cashed check which I do not have contact information for and is not my responsibility to do so. This matter was brought to Capital One 's attention back in XX/XX/XXXX, numerous reps replied in re, including a XXXX XXXX, XXXX, XXXX, XXXX, last rep by the name of XXXX. Capital One stopped payment on check prematurely, reissued check via XXXX while I was on vacation which was intercepted and my signature forged. I've attached check copies here as well as proof of whereabouts time check intercepted and cashed numerous times prior, Capital One reps chose to ignore information or mark complaints has duplicate to avoid addressing. I suspect this complaint might be marked as duplicate which is normal behavior for Capital One reps, if so, complaint will be refiled. I request another affidavit sent to me regarding this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Not a valid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I logged into Lexus Financial and made a monthly car payment in the amount of {$550.00} which was due XX/XX/XXXX. Lexus reported me to the credit bureau for being late. I. Contacted customer service on XX/XX/XXXX to inquire and the customer service representative stated, although our records indicate that you did in fact logged in on XX/XX/XXXX before midnight and submitted the payment, being that it was after business hours as well as a Saturday, the payment posted on XX/XX/XXXX. I tried speaking to a manager since I have been a long time customer and have always made payments on time for both cars which I am currently leasing, however, the manager refused to remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!

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 2018-03-24
Company: Experian Information Solutions Inc.
State: VA
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 numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten 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 2018-01-19
Company: EQUIFAX, 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:
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts equifax breach has cost me tons of money taking more than 30 days violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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- XXXX is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.

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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TRANSUNION AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TRANSUNION AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account ( XXXX ) was hit multiple times over a weekend and my bank did not reach out until the following monday to question a withdraw that I was told was denied. I was not given detail as to why it was. By this time nearly a {$1000.00} had already been stolen. That's not right. There is a way for credit card thieves to figure out your PIN. 

All through XX/XX/XXXX my account was hit multiple times and Chase never reached out. I did not have the card. Since I was hit with debit card transaction theft before, I keep the card at home and use a bank across the street where I live to get cash. So when I was alerted on the following monday at work, I had to wait until the end of the day only to find it lock up at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My federal loan is serviced by the XXXX XXXX XXXX XXXX XXXX through a website they run called myfedloan.org. In the past I've often used the Payment History feature to track how much of my payment was going to the principle on my loan versus interest. Recently I noticed that the Payment History feature has been removed from the website and there is no way to view the payments I've made. When I called customer service to ask about this, the representative informed me that the feature has been removed from the site and that he didn't know why. He told me all payment history requests have to be done manually now, by sending me a statement in the mail in 7-10 business days. This is highly opaque and predatory behavior on behalf of a state agency tasked to not only collect payments but also to support student loan holders with resources and information in their odyssey to be debt-free. This policy makes it onerous to view payment details and I can not believe it's legal for any financial institution to do this. As it is now, I will continue to call in and request a mailed payment history every time I make a payment, which is a complete waste of the government dollars used to fund this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: U.S. BANCORP
State: UT
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:
US Bank is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed this late was reporting on my credit file. I have had an account with US bank for a very long time now and have never received a late on my account before. I have been a very loyal customer and have yet to be tardy. I did notice a late reporting for the month of XXXX in 2020 and I was simply never late. I made the payment and not only that, I never received any calls or notices if my account was ever past due. Please remove the late from my credit file.

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019. 
The 3 companies are : XXXX/XXXX XXXX, OR XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XX/XX/XXXXXXXX, FL XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS EQUIFAX AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Bridgecrest XXXX 3rd Party Allegedly states I the consumer natural person owes an alleged debt of {$19000.00} with their company on XX/XX/ I the consumer extended credit to the company XXXX XXXX for a consumer transaction in exchange a used vehicle. These companies violated Federal Laws, TILA, FDCPA, & FCRA. I the consumer delivered to the company legal documents and evidence of their violations and my non obligation to such debts. They also used abuse and misleading information to force I the consumer natural person into complying with their demands and regulations. A breached of my privacy has been initiated on their behalf as well.

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 2022-12-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a checking account with Chase for 23 years. Last month they started charging me {$25.00} a month in Service fee. I called and complained about the new fee and was told in order to avoid the charge I needed to have {$15000.00} min balance or setup automatic mortgage payment. I have had my mortgage with chase for 12 years and have never been late. Chase bank refunded the charge, but then put the charged it again the next month. I called again, but was told they would not reverse the fee. When I opened the account there was no minimum balance or fee for not having automatic mortgage payment. When I went to the branch in person I was told there was nothing they could do, would not refund the fee a second time and I was told to close my account if I wanted to avoid the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw this on my credit report and was shocked. I have never even received communication from the original debtor. I have tried and tried to reach the debt collector. I am constantly send to a voicemail and no one calls me back. I have a lease from a home in city hundreds of miles away from when this debt is supposedly occurred

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