BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from another bank that was written to me on Monday, XX/XX/XXXX. My cousin wrote me the check in order to assist me in time sensitive bills that are accruing interest daily. A hold was placed on the entire check, prohibiting me to access the funds, and I contacted XXXX XXXX branch in XXXX, WY multiple times yesterday for assistance but continue to be told there is nothing they can do, or it is out of their hands and refuse to provide me information on who to contact to get more information. Meanwhile, the bills I am needing the funds from the check for, are accruing interest at a rate I will not be able to pay off when the money is available for me to use.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have recently applied for a secured loan. Everything was approved except the company needed to contact me by phone because there is a fraud approval on my credit that does not allow the funder to release funds until they have verbal approval from me. 
I have no idea who placed this fraud on my report. It was dated XX/XX/XXXX, it will be in effect until XX/XX/XXXX. I need it removed immediately -- I did not authorize it. Experian is the company that placed the statement on my account. I tried continually for 3 days to contact someone to talk to. No matter what phone # you call at Experian, you get a recording. I did reach a recording that told me that this statement could not be removed from on line I compiled all of the documentation required-picture of driver 's license, utility bills, copy of social security card, etc. I mailed the information XX/XX/XXXX- 2 weeks ago! I have not received a reply from Experian.. I am in a position..The loan was for remolding our kitchen appliances have been order and the contractor will not begin work until he receives the down payment..

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 2017-12-23
Company: Experian Information Solutions Inc.
State: CA
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 sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.

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 2020-05-18
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage servicer Mr.Cooper also known as Nation Star has  given me the impression that was my forbearance that was granted due to Covid 19 cancel I have to pay a lump sum or go through qualifiers for future payments. Its bad enough that we have to worry about the pandemic and how I will get through this and to have more stress every time you call them because there is no reassurance that you will be ok. I went online today and it advised me to call in to get Post forbearance options and the guy had no idea what I was talking about. Every time you call its a different answer with no reassurance. Its like you are being punished for something you have no control over and its very torturing. I dont understand why they put o e thing on the website but when you call in its a different story. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX SC XXXX the last four of my ssn is XXXX. The last phone call I made was today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, 2017 I submitted a signed annual Public Service Forgiveness Employment CertificationForm and called FedLoan to confirm my form was received. I was told it takes 10 business days to process. Approximately 10 business days later I called to get a status on my form. I was told it takes 15 business days and to call back and check the status again. I then asked to be transferred to the department that handles the processing of this form. The person I spoke to in the department said she looked at my form and that everything looked good and that it could take a few more business days to process. On XXXX XXXX, 2017 I called again to check the status. I was told by the person that answered the phone that it takes up to 60 business days. I asked to be transferred to a supervisor to get clarification on why the timeline processing keeps getting changed. The supervisor I spoke to looked at my formand said that on Section 3 number 3, I did not input the city and state of my employer. He asked that I resubmit this form with the city and state in that section even though it already contained street address and zip code. I then asked him if the city and state could be derived from the zip code that was in the form of that section. The supervisor told me the zip code did not matter. After getting off the phone I tried to utilize their automated system to complete this section but it did not allow me to enter city and state. It only allowed me to enter street address and zip code. I called again the same night and spoke with XXXX ( employee XXXX ) and asked if I could transfer to someone that works with processing the form I submitted. She refused to transfer me and said no one from that department takes phone calls. I then asked to be transferred to a supervisor. She also refused and said that everyone went home and I would have to try again the next day. I tried explaining my situation with entering the city and state and she said that I had to do what the supervisor said to do on the previous call. I continued to explain that their automated form did not allow me to enter city and state. She refused to try and help me. Her only advice was to print and write city and state on the form and resubmit. I took her advice and wrote in the city and state in that section and resubmitted the form. I feel that the form is still going to be found unsatisfactory even though I have done everything they have asked me to do. They are finding reasons not to process my paperwork in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Credit Technology, Inc.
State: CA
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:
Good morning, I'm contacting you guys about a matter that's been going on and still I have no results. I happened to check my credit report on XX/XX/2019 and noticed a company that was on my report through XXXX. The customer service rwp asked if I filled a tenant application for a apartment in XXXX, Ca I told her no and that I'm miles away from that city. I was told to call the company which I did and spoke to someone named XXXX. She told me to hold the line and she transferred me to that correct department to speak to a XXXX. I explained with a brief message what's going on and how I need a letter from them to send to XXXX to get this off my report asap.I still haven't received a message from this company I call them at least 1 to 2 times a week with no results. I have put in a complaint w/ the XXXX also w/ Department of Justice they tell me tjat it's being worked on. I do have proof of these letters from both departments. I did explain also that the XXXX and on this company website Credit Technology Inc is nothing but complaints reagrding the same situation I'm gooing through and more. I really need help with this XXXX is asking me for a letter that I can't even get through this bogus company to have removed from my credit report. This company needs to be investigated ASAP this is not right for us consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: NCB Management Services Inc.
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a checking and Savings account with First Horizon bank that I wanted to close. I went to their XXXX XXXX branch today XX/XX/2020 at approx XXXX XXXX  and was told by the teller to speak to XXXX the lady who was sitting at a desk. I explained why I wanted to close and she verified my Drivers License, then she got up and said I will be back and just left. I waited for over 15 minutes and no one came back so I went to the teller and said I needed to leave as I had another appointment as the lady was not around. She too just said " Fine I will tell her you left when she comes back ''. I cane back home and then called the toll free number and got a gentleman to close the accounts and will hopefully get a check in 7-10 days. When I asked about the process of filing a report or complaint about the treatment at the branch he said I would have to go back to the branch and make a complaint. I asked what if that lady was the manager and he said the only option is to complain about her to her. That is the most ridiculous thing I have ever heard. I am appalled at the lack of any service at branch or telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from 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 2020-05-18
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Received government issued MasterCard for my 2018 tax refund. After the refund was used card became inactive, account closed. Approximately a year later the recent stimulus check was sent to that account/debit card. Instead of returning the money the bank establishment kept/deposited money. The only information I have are last 4 digits of the card number. I have tried to contact IRS and Treasury Department, no live represents to speak to. I have contacted MasterCard twice, no help yet they see the account. They referred me to XXXX to have a new card issued they claim they dont have records of me and sent me back to MasterCard. 
I am currently receiving SSDI, my benefits are deposited onto Direct Express card. I have been at 2 locations since 2018 tax season. So, treasury has outdated information but IRS has correct information. Im going in circles. I believe it was wrong to keep that deposit for an inactive/closed account, theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Sequium Asset Solutions, LLC
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Colony Brands, Inc.
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : 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 I have filed a Police report and a FTC ID Theft 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 2019-08-14
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX a unlawful detainer was filed in a XXXX XXXX court house. On about XX/XX/XXXX i went to court and an agreement between me and the landlord was settled. I was to forfeit the property by XX/XX/XXXX in which i did. There was a judgement for landlord in the amount of {$880.00}. The stipulations were me to move out before XX/XX/XXXX and owe the judgement of {$880.00} and pursuant code 1786.18 ( A ) ( 4 ) was in order. In XX/XX/XXXX. Fidelity credit services a debt collector added this to my credit report in the amount of {$1600.00} and a negative report. I tried to talk to them but was told just to pay the judgement then they will remove from my credit report but if i dont pay it will be on my credit till XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: NY
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:
XXXX  has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my XXXX  report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with XXXX  asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXX in XX/XX/XXXX from a local XXXX dealership. The vehicle is financed through Toyota Financial Services ( TFS ). I have regularly called TFS to advise them that any additional money that I send in with my monthly payment is to be applied to principal only. I have sent in {$700.00} every month since XX/XX/XXXX. TFS routinely did not apply the extra funds that I sent in to principal and instead advanced my payment due date contrary to what I requested them to do. This matter has been the subject of a complaint that I filed recently with the CFPB. Today I logged into my TFS account and it indicated that I have a past due balance of {$650.00}. I have paid every monthly payment on time therefore the TFS system is incorrect. After speaking with a TFS representative for over 30 minutes I was transferred to XXXX on the Escalation Line. XXXX advised me that my most recent payment due XX/XX/XXXX was applied incorrectly which accounts for the past due status on the account. Due to TFS incompetent handling of the account I am requesting the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
I placed a credit freeze on my credit report with Experian on XX/XX/19.

On XX/XX/19, I temporarily removed my security freeze from XX/XX/2019 throughXX/XX/2019 using my PIN number.

On XX/XX/19, I tried to temporarily removed my security freeze but Experian has locked my credit report and have requested me to provide proof of my identity by mail. Experian says it will take several days to process my request. I need the security freeze on my credit report to be removed immediately. 

Please note that I was able to remove the credit freeze on my XXXX  and XXXX credit reports without any problems. 

I have made several attempts to reach a live person at Experian to fix the problem but despite entering my personal information into Experian telephone system it is impossible to reach a live person.

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 2017-09-19
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became XXXX and my income severely dropped however I should have had mortgage insurance that was supposed to cover the Cost if I died or became XXXX. Now Ocwen says that I do n't have that.

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