BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mother died on XX/XX/XXXX, and had what appears to be a predatory loan ( designed to fail ) with Wells Fargo Bank, which I thought was for a motor home purchased in XX/XX/XXXX, and would soon be paid in full. Even after providing Wells Fargo with my mothers Death Certificate, the Probate papers appointing me as the person of interest ( executor ) of her estate, and Durable Power of Attorney, Wells Fargo has been defiant at providing me copies of the complete loan papers, including moms signature and the Notary stamp/signature and dates. I have been requesting these papers since XX/XX/XXXX ; and Wells Fargo has promised them 1st on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and lastly on XX/XX/XXXX -- - all of which have passed with no loan papers being provided. 
This loan was supposedly originated on XX/XX/XXXX in the amount of $ XXXX@ 8.75 % ( variable XXXX + the XXXX XXXX   Offered Rate thru-a maximum of 14.750 % ) interest and on a 30 year Home Equity Contract ( home assessed value in XX/XX/XXXX of : {$71000.00}, or 104 % of the home 's assessed value ). At the time, my mother was XXXX years old, and receiving Social Security and a small pension, totaling about $ 1500/mo. The loan payments ( {$680.00} per month ) equaled about 47 % of her monthly income, would have matured when she was XXXX yrs old. 
Through the Probate attorney, I acquired a copy of the Deed of Trust, and through that, it appears the loan : ( 1 ) originated on XX/XX/XXXX, and ( 2 ) Was signed, but not dated by my mom on page 18, and witness signature spaces are blank ; ( 3 ) Was Notarized on page 19 XX/XX/XXXX ; ( 4 ) The Variable Interest rider is on pages 20-22 ; ( 5 ) Mom signed again on page 23, but again not dated, and no witnesses.

( 6 ) A Rider titled : 1-4 Family Rider is on pages 25-26 of the Deed of Trust, with no signature or Notary following.

( 7 ) The Deed of Trust is dated XX/XX/XXXX at XXXX XXXX, and cites 26 pages. The Deed of Trust, in fact, is actually 29 pages long. ( The three additional pages are court documents placing liens on her property. ) ( 8 ) XXXX XXXX XXXX XXXX is listed on the Deed of Trust ( Escrow? ). 
( 9 ) XXXX XXXX XXXX, XXXX is listed as Trustee of the Loan After 12 years of payments on this supposed loan, my mother still owed {$62000.00}, and had paid approximately {$100000.00} on it, and was then XXXX years old ( with 18 years left on the contract ), when she passed away. There is no indication that she purchased, or paid for, anything near this amount in this time frame -- - she basically lived a paupers life ( I sent her groceries and supplies ). 
Please help or advise, XXXX XXXX XXXX ( for XXXX XXXX, dcd )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Armada Corp.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Armada Corp collection company. They are reporting multiple medical collection accounts from " The XXXX XXXX ''. I have never received a dunning letter from Armada Corp. On XXXX I requested Armada Crop to validate the debt as I legally have that right as a consumer. They did not respond until XXXX and I received their response on XXXX stating I have 7 days to respond to them and provide payment!!! I have never signed a HIPPA release form with The XXXX XXXX. Armada Corp is also illegally charging interest on the alleged medical debt. I live in Florida and Armada Corp is located in XXXX, WA. Armada Corp is not a licensed collection company in the state of Florida. Armada Corp also has violated FDCPA by not changing the account status on my credit report reflecting the current accounts are under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: KEYCORP
State: AK
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:
A XX/XX/XXXX letter I received from the credit card company stated they put this account in a XXXX XXXX and my new payment of {$39.00} would be due on the XXXX of each month until paid in full. I made the 1st payment for XXXX on the XXXX of XXXX. The 2nd payment I made on XX/XX/XXXX and the 3rd payment I made on XX/XX/XXXX, so I complied with their request for on-time payments only to find my account charged with a {$37.00} late fee for each month. I have tried to contact them to have this corrected and each time was told they would look into it but nothing has been done to this date XX/XX/XXXX and the late fees remain on my account. I have contacted company representatives for Collection Specialist on XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX twice talking to collections supervisor XXXX only to get the same answer " I'll look into it '' and that's as far as it gets. The Single Point of Contact is XXXX XXXX and his # is XXXX but he has never returned my calls either but I have talked to XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( twice ) XXXX, and finally XXXX, collection supervisor @ XXXX They all might " look into it '' but that is as far as it gets. Along with the {$37.00} late fee they even tack on about {$6.00} in other fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I contacted Capital One Auto and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX  in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have sent fraud paperwork on this account and this company refuses to remove this account of my equifax and is holding up home loan process. i call them and they stated that i paid this account already, and its been closed, before XX/XX/2018, i have never spoke to this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank illegally holding funds on XXXX XXXX funds where deposited into account was told that funds would be available XX/XX/2021. On XXXX XXXX Aprox XXXX an email was recieved late after the funds where suppose to be available. Notice was late and not reasonable notice of hold under regulation Federal CC having to due with check deposits holds. Further more deposit reason for hold was contact check maker which is not a reason to hold funds under Federal Regulation CC Talk to Check maker is not one reason to hold funds. To top the situation off Federal and state banking regulation as well as Federal Regulation CC The bank can only hold 5-7 days funds are being held until XXXX XXXX from XX/XX/2021 which is 9-10 days which is 2-3 days over allowable hold time.

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 2019-08-12
Company: EQUIFAX, 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 incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE ACCOUNT )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I first acquired my home mortgage through XXXX XXXX XXXX, I set up automatic payment. I always have bills set up this way to ensure nothing is ever missed. When Chase acquired the mortgage and my loan was transferred over, apparently a payment ( although still set up through automatic payment ) was missed. I didn't know about this, nor the transfer. Chase has been charging me interest and has said I'm behind a payment ever since. They contacted me a few years later to notify me of this. As to why I never noticed .... I set everything up on automatic payment for this very reason. During this time, I've gone through a divorce, had major medical issues, started a business on my own ( and have been trying to maintain it ), etc., so I trusted everything on automatic payment to continue as it always has. I've spoken to a number of representatives at Chase and can't seem to make any headway. This seems highly unfair, unjust, and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2020-05-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom this may concern : Thank you for taking the time to read this email. Im writing because I noticed that my most recent credit report contains 60-day late payments reported by FedLoan Servicing from 2014. These incorrect notes are being listed on all ( 9 ) loans that I have with them.

- The payments should not have been reported as I was under a forbearance period.

- Those forbearance was needed due to an XXXX XXXX XXXX   that required multiple months to recover ( I was unable to care for myself without assistance during the recovery ) - I was told by FedLoans that there would be no negative credit reporting and the forbearance would protect me from any negative action.

I've reached out to FedLoans to make them aware of the mistake, but I did not receive help in resolving the matter. As you may imagine, the impacts of this late payment has had a negative impact to my credit report. I have had excellent repayment history for all of my debt obligations, this is not an appropriate reflection of how I handle my responsibilities. Please help me resolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
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:
I have a home depot credit card account, they reported my account 30 days late in XX/XX/2014, upon contacting them i was told my account was moved to paperless billing, I had no knowledge of this and explained repeatedly i did not choose this option, because they did not mail me a statement I got no bill to pay, only late in 17 years and i have tried many times to explain this to get it resolved and what happened and that it was not my fault that they did not bill me for payment. I have filed disputes to all 3 credit reporting agencies trying to resolve this. I have since made sure this account and all of my accounts remain on paper billing. their website prompts you right as you sign in and several times during when using it to check your account online to change you account to paperless billing, I should be able to tell them once I do not want that and not have to keep telling them no very deceptive

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 2017-12-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In complaint XXXX XXXX XXXX XXXX failed to properly represent my flawed transaction with XXXX XXXX. The merchant misrepresented the equipment being ordered. There was no visual confirmation of the model in question. The equipment ordered by the inexperienced clerk was wrong. The signed receipt of order does not include a description of the item. When it arrived at the store the service manager told us it was the wrong unit. I do not pay for merchant error. I went out of my way and arranged for the equipment to be returned but the merchant was uncooperative. I will not pay for this type of customer service and told the bank at the time not to pay the merchant. XXXX XXXX gave the money away against my objection. I hold XXXX 's responsible for poor judgement. Note in their letter of reply they fail to report these details. This case is also under litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Upon graduation, I was unaware that my prior loan would not have a 6 month grace period. I received a 90 day late on my credit report and realized something was wrong. When I contacted XXXX, they offered me forbearance. I asked them about the late to my credit report and they said that I could provide my forbearance letter to the credit bureaus to have the late removed. To date, they have refused to provide me with a letter that states that my loan was in forbearance. They sent a flimsy email that I sent to the credit bureaus that did not change anything because the email is not an official letter stating that I was granted forbearance. Their actions have dropped my credit score by 60 points. Furthermore, they convinced me to sign up for paperless billing but do not tell students that in the event there is a problem with the account they will not call or write you. The email I signed up with years ago was hacked. I no longer had access to the email which means I did not have access to their noticing. This is unfair. It allows them to keep consumers uninformed and make statements like " the fine print in your contract says ... or we don't have to contact you because you're in paperless billing. '' It also allows them to get away with collecting additional interest and keep students in the dark. It's really unacceptable. I am repaying my student loan now but the damage to my credit has caused additional financial hardships which do not allow me to pay more on my student loans. XXXX doesn't seem to care about this because the longer it takes me to pay the more interest they can collect and the only way they can prevent people from paying is to damage them financially ( credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone got my information and opened up lots of accounts in my name.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
Consumer complaint received 2021-09-13
Company: Bayside Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For the past year i have complained about thus company distorting the facts on my credit report affecting my credit score. Now i made a payment on my loan on XX/XX/2021. Immediately after they took the payment i checked the payment history. Instead of crediting my account on the day they received the payment the date was set in the future so that i would be charged 2 additional days of interest on my loan. This has never been the case.The payment date always reflected the date it was received and the interest was taken for the correct amount of days. Its a simple interest loan and all interest is calculated between the date of last payment. Because they did this i was charged more money than i should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my employee Amex card to pay for a business trip at XXXX, TX this XXXX. Its was a two night stay with one night of room upgrade. When I checked out, the fairmont front desk mistakenly booked two nights of upgrade and generated a bill of {$860.00}. I immediately notice them the mistake so they re generated the invoice, corrected the amount to be {$760.00}. 

Later I found out the charge on my Amex card was {$860.00}. So I submitted a dispute with Amex, attaching the copy of the receipt. After months of investigation, the Amex dispute department came back saying the charge was valid, attaching the old incorrect invoice as their proof. 

The correct invoice of {$760.00} clearly shown the refund amount of {$860.00} and break down of the new amount due. But somehow Amex chose to ignore it or didnt even look into it. 


This is not the first time the dispute department did such a job. There was another charge of {$100.00} from XXXX where Amex claimed the charge was valid after their investigation, but XXXX the merchant has already refunded the charge due to fraudulent activity. 

I would like a formal explanation as to how Amex conduct their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I deposited {$520.00} in an ATM in XXXX, IL. The machine took the money and displayed on the screen " I'm sorry. Because of technical problems, I can't accept or return cash right now. '' I called the number on the receipt the machine printed and was told I'd have to wait up to 10 business days while the incident was investigated, which is ridiculously longer than the immediate credit that is given on the past numerous occasions when the machines would malfunction.

I call on the 11th business day and am then told that i have to wait 45 days until they figure out what's happening. In the meantime, I suppose checks and automatic deductions to my business account have to bounce, as they refuse to credit the account while they get around to looking into the incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. XXXX and XXXX are reporting my XXXX student loan as late when it should be as what Experian is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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