BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
first time loan modified lender sent to wrong party then loan was transferred to SPS SPS made payments too high Never recognized monthly income

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been trying in vain to get a refund back fro a wire transfer with BBVA Compass for several months to no avail. I have callled their Customer Service Numbers and Fraud Department several times, and every time say a month goes by with no response ... ..I contact them to see if there are any updates and the customer service agent has no idea who I am, can find the complaint/refund request or anything. Most of the time I am transferred to a customer service branch in another country who I can barely understand and vice versa. 

The wire was for {$38000.00} on XXXX XXXX, 2017 which is a HUGE amount for me and I have not been able to get this resolved in several months. It was not until yesterday that I just went to my local branch office in XXXX where the staff helped me out and filed a refund request on my behalf. The Branch manager ( XXXX XXXX ) kindly told me that the chances were not good to get a refund because of the time that had passed, but I have been trying to get the refund through writing the Corporate office and filing a complaint over the phone for several months. That was well within the time period for me to have gotten my refund by now. 

Please help me in this situation, this has caused tremendous stress to myself and my family and I just want it resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: DE
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by 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 non-monetary relief
Consumer complaint received 2019-01-18
Company: EQUIFAX, INC.
State: NC
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:
I have student loans from XX/XX/XXXX-XX/XX/XXXX. That keep showing up on my credit report. These federal student loans back days over 19yrs. I have asked for them to be removed and its still showing. 

I also have unauthorized hard inquiry on my account from. XXXX XXXX XXXX, XXXX XXXX, XXXX of XXXX. I also have a police report filled that I even have the companys the police report number. 

Policy report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Investigation took more than 30 days

Complaint:
THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!

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 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capitalone closed my account three times. The reason they provided is " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for commercial or small business purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' I do not understand what that means. 
Why capital one approve credit cards and gives limit of XXXX I never crossed my limits. I paid all credit card on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA USA has locked my account after attempting one time to activate my Simple Banking account according to their transition instructions and has made not effort to resolve the issue. 
Customer service lines are extremely long and where you do get to a representative they hang up on you, they don't seem to be able to hear me -maybe. 
According to their XXXX it would seem they put more representatives in to work on XXXX XXXX which in of itself is cruel beyond the fact these employees are baring the brunt of a hostile interaction that they have no fault in. 
Again according to level of complaints on XXXX I am not alone in this terrible circumstance. 
I need to transfer money but have no idea if it will be bounce back and I'm unwilling to pay fees on one or both ends for account transfers to be rejected that I will never be reimbursed for.

We have been told repeatedly for what seems like five months that this transfer will happen email two months ago with an explicit date ( XX/XX/XXXX ) the transfer will occur and that we should log on that day and set up our new account. 
It feels as though my entire bank account has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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:
Multiple certified letters ( with Tracking # 's ) have been sent & received by Experian. I have requested, per FCRA laws multiple times for Experian to verify & provide me the proof per mail that the accounts ( through PROOF OF CONTRACT WITH MY SIGNATURE ) ; indeed, belong to me. Each time, Experian has updated my credit stating they have " verified '' that the account belongs to me, and not deleting the fraudulently reported & unverifiable through proof of signed contract account.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information

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 2019-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am so tired of being DISCRIMINATED against due to my age. I am a very healthy XXXX yr old XXXX VET, you not just fought for this country but refused a medical leave due to injuries I suffered in 1943 so that I could rejoin my fellow unit in XXXX. I did and finished what we started, But here in the country I have given so much for I continually am turned down for accounts, My credit score ranges from 795-830 at the time I applied for a Checking account with Citizens bank my credit score was XXXX. 
Yet and unbelievably about 2 weeks ago Citizens bank denied my application to open a checking account. I bet if they knew I had over 7 figures saved up ( did not retire until I was XXXX yrs old ), that would have been different. 
I entered all my correct information, they did not ask to verify any information they just simply denied me.

I asked my nephew to apply moments later, he was helping me apply online, and although his credit score is far less than mine, he was approved instantly. 
So what possible reason besides my age could Citizens bank offer up as an explanation. 

I have received no letter or any other communication

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the first quarter of XX/XX/XXXX We were delinquent on the mortgage payments with Wells Fargo. We received the attorney demand letter dated XX/XX/XXXX for the balance due in the amount of {$17000.00} ( copy included in the attachments ) We requested a reinstatement amount to bring the account current. We were advised it would take 10 days to produce. Wells Fargo provided a letter dated XX/XX/XXXX. The account was reinstated on XX/XX/XXXX with the amount  requested. THEREAFTER an additional {$1000.00} was assessed to the account as an " unpaid advance balance ''. When I initially inquired about the fees I was informed verbally that they will eventually fall off the statement when the funds get posted to the account. I was never disclosed what these fees were for. I was never asked to pay these fees via my monthly statements. On XX/XX/XXXX I received a demand letter for reinstatement that did include the {$1000.00} PLUS the late fee. However, in their letter dated XX/XX/XXXX they state they do not include late fees on reinstatement quotes. ( which is a contradiction ) In XX/XX/XXXX when I initiated the request for full payoff I noticed these a were still  attached to the account and included in the payoff figure. When I inquired as to the exact break down and purpose of the fees I was informed {$560.00} Attorney fees, and {$460.00} in filing costs. I 've gone through an extensive process to dispute the fees and request a detailed explanation of the fees and PROOF via a copy of a paid invoice for services rendered. I do not believe these charges are true and correct. The attorney fee was quoted in writing and paid {$840.00} ( why would they neglect to include the additional {$560.00} of their entire fee in the reinstatement figure ) and the filing costs are being quoted as {$460.00} - filing what? There certainly is n't more than {$6.00} in filing fees reflected in the public records to record the cancelation of the XXXX XXXX. I have requested several times DOCUMENTATION of the paid fees - NOT JUST A WRITTEN EXPLATION FOR IT. This dispute prevented me from paying my balance in full for over two month causing additional interest to accrue. On XX/XX/XXXX I paid my account in full vowing to resolve this situation by any means possible.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial XXXX which is impacting my ability to XXXX, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX  XXXX : {$2700.00} XXXX XXXXXXXX XXXX XXXXXXXX : {$2200.00}.

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 2020-10-08
Company: EQUIFAX, 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 received a confirmation ( # XXXX ) letter dated XX/XX/2020 from Equifax regarding XXXX XXXX XXXX ( Account # XXXX ) informing me that my dispute for inaccuracy and incomplete information regarding was complete. 

In the letter ( pg. 3 attached ) it is noted by Equifax, the date of last activity has been updated. In the letter ( pg.4 attached ) the date of last activity field is missing the information Equifax stated was updated. 

I have previously asked them to remove account due to inaccuracy, which is now required by law, under the FCRA Sect 611. Request for immediate deletion of account from my credit file due to unverifiable information, per FCRA Sect 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-10-08
Company: EQUIFAX, 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 the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
US Bank mailed me a ReliaCard for accessing unemployment benefits from the XXXX of Colorado. I have not filed for unemployment nor did I apply for this card. I called the phone number on the card ( XXXX ) to ask US Bank to close the account because it is based on a fraudulent application. 

It was impossible to access an operator through this phone number. US Bank would only proceed if I provided personal information including date of birth and social security number. I am not going to provide that information to a computer. 

I did fill out a US Bank fraud form but would have preferred to speak with someone as soon as I became aware of the problem. Scary situation, its a known problem with US Bank and they chose not to resolve it.

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 2018-01-24
Company: Ditech Financial LLC
State: GA
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:
In my credit report it shows 2 late payment to my mortgage company ( Ditech ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under XXXX law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2019, I received unsolicited offer in the mail from Chase Bank for the United Club Mileage Plus card. This offer was the United Club Card Intro Offer-First Year Free. It states " With this invitation-only offer, you'll enjoy a {$0.00} Introductory Annual Fee for the first year, then {$450.00} '' with a response by XX/XX/2019. I applied for the card and was accepted and received the card in the mail shortly after. My first charge on the card was XX/XX/2019. On XX/XX/2019, I was charged the {$450.00} fee that was supposed to be waived. I contacted Chase and was told I 'was n't eligible for the offer. ' I was going abroad and needed/planned to use the card so I paid the fee with the intent to contest the fee at a later date which I am doing now. I have the mailing/offer with my name and address on it in my possession. 

This is bait and switch and I want a refund of the {$450.00} fee I paid.

Company response to consumer: Closed with monetary relief