BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IT. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX   ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX XXXX, XXXX, XXXX, OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I checked my US Bank savings account balance, and withdrew {$160.00}. The savings account was not credited until two days later, after I had already checked my balance and withdrew {$200.00}. US Bank credited my account for both transactions ; resulting in an overdraft and overdraft fees. On XX/XX/2018, I checked my balance, and immediately went the US Bank location that I frequent. I was told that it was the tellers error for both transaction, but I am to be held financially responsible and that I could not close my accounts until I took care of that responsibility. Only when I warned them that I would contact the CFPB, and that they violated the Dodd-Frank Act did they close all accounts I had with them. Prior to this incident, the same issue occurred with my checking account deposits being held and my withdrawals going through creating a negative balance, and while I was there another couple was there dealing with same issue.

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 2018-03-04
Company: College Foundation, Inc.
State: NC
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:
College Foundation Inc 30 Missed Currently 120 days past due Overview You've paid off -79 % of your  student loan amount. 
Balance {$7100.00} Highest Balance {$4000.00} Monthly payment {$74.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mo ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/XXXX DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE You've paid off -44 % of your student loan amount. 
Balance {$5000.00} Highest Balance {$3500.00} Monthly payment {$52.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/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 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own my home in Florida ; recently affected by Hurrucane Irma. I was told by a FEMA rep that mortgage companies were offering a 90 day forbearance on mortgage loans and that it would extend the loan by 3 months with no penalties. However ; Bank of America will gladly give 90 day forbearance but then wants all 3 months of payments paid at once when 90 days are up. How in the world does that help anyone? If we were hit with a natural disaster and do not have the money now ; why would I have 3 months worth at once? Every other institution is allowing an extension on the loan ; added 3 months. Bank of America is not helping victims at all.

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 2019-08-09
Company: ID Analytics, Inc.
State: IN
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:
XX/XX/2019 I was denied credit by XXXX XXXX  due to SageStream , LLC credit reporting. 
However, I did purchase the vehicle finance by another Bank. SageStream , LLC is not a legitimate Credit Reporting Company and should be prevented from access to personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
On Saturday XX/XX/2018, I received post card stating XXXX, Equifax and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am currently in the process of a refinance. 
My attorney 's office has tried multiple times to contact my Mortgage servicer for the pay off amount and has not heard back. 
They are not being responsive and therefore holding up the process. 

From my attorney 's office : " Ive faxed and called twice and was told I would have it last week. I attempted to call yesterday, again, but was on hold for quite sometime and had to hang up ''

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 2020-07-14
Company: CBC Companies, Inc.
State: VA
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:
information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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 wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am making extra payments that are supposed to be applied to principal but they are waiting 5-6 days to post it, while that's happening interest is accruing on a principal balance that is higher than it should be. Leaving me to make more money because they aren't processing my payment they day the receive it. In addition, they allow for Bi-weekly payments to be made for your mortgage payment which I am enrolled for, but they again wait to apply this payment until the second payment is received. Which again lets more interest to accrue on a higher principal balance than it should be, leading me to pay more and them to take advantage of me by not applying the payment right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This happens every time I re-order checks from Wells Fargo bank. Each time I end up using a customer service agent who does not listen and submits the order incorrectly. I was sent the duplicate check package ( rather than single checks with no carbon copy ). It takes 2-4 weeks for delivery. The checks arrive and the are wrong ... the checks are double/not single. I call about the issue and am told they will replace the checks ( least they could do ) but it would take an additional 2-4 weeks for them to arrive [ making the process more like 4-8 weeks from my perspective. 1 ) I requested since it was their error that they would expidite the shipping, they refused ; 2 ) I needed to inquire if there was a difference in pricing between the dup ; licate vs single checks and yes ... there was an {$8.00} difference. Had I not made this inquiry and insisted, Wells Fargo inrtended to keep the {$8.00} difference in the cost of the checks. Over the space in any given period, how may times does this happen, begging the question how many times does Wells Fargo overcharge customer for products as a result of their mistake. I should have been notified ( without prompting and their having to research ) if the unit price for the order was different and that difference automatically refunded, not needing to be specifically requested ; and 2 ) the order since it was incorrect should have received the expedited shipping as a courtesy ( if not compensation ) in recognition of the inconvenience. I am : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Bank was Wells Fargo and the Case # is XXXX. Major to me that over millions of customers these fees which are overcharged add up and that they seem to take no responsibility for their ewrrors. Simply reprocessing is the bare minimum of their due responsibility. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by XXXX XXXX. 

XXXX XXXX had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from XXXX XXXX. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that XXXX XXXX had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the XXXX XXXX had in their file. 

Still I had not received a response from XXXX XXXX regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from XXXX XXXX stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that XXXX XXXX should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from XXXX XXXX and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of XXXX XXXX for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.

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 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.

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 2021-01-26
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX statement was printed saying XX/XX/XXXX payment was for {$540.00}, I made a payment in XXXX and didnt go through and was charged {$25.00} NSF. Dont know what happened but wasnt my fault. On XX/XX/XXXX I made a payment with a representative confirmation number XXXX. I paid the amount due and {$25.00} NSF fee on XX/XX/XXXX within the month it was due. I than confirmed with the representative that took the payment that I ful-filled my mortgage obligation for XXXX they said yes. But they put my payment under Unapplied funds and reported to credit bureaus I was 30 days late. This isnt true and can see I made my payment obligations in the month of XXXX for the amount due and along with the incorrect NSF fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Rocket Mortgage, LLC
State: MD
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 finalized my divorce XX/XX/XXXX. Afterwards, I paid for her mortgage with Quicken Loans ( XXXX  month ) until XX/XX/XXXX, and am currently paying for her car loan ( XXXX  month ). In our court agreement, I was to be removed from the car loan, and my ex-wife to carry the mortgage immediately. She has not, and the house is two months behind. My credit is affected now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I wanted to start building my credit because I am close to the age where I am going to start wanting to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had i paid for it and had the account closed. I decided to pull my credit and there are a couple of uknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX {$130000.00} XXXX XXXX {$140.00} XXXX {$87.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$14000.00}

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 2020-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information 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 explanation
Consumer complaint received 2020-12-01
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It as been well over 30 Days and I haven't received any investigation results

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 2019-03-09
Company: AES/PHEAA
State: TX
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:
When renewing my federal student loan payment plan, XXXX presented me with the different repayment options. They failed to disclose that choosing a different repayment plan would capitalize about {$30000.00} in deferred interest. My student loans went up $ XXXX in a day due to a lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My bank account was hacked through PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several charges through XXXX. When I complained the charges were removed. However, PayPal took money out of my account to match the fraudulent charges. This was done without notification or permission. When I called to see why no satisfactory info was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: NV
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:
These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts listed are not my accounts. I am not sure who's they are. Please remove them. They also have different account numbers, and balances. I have provided my personal documents and note, I am not a credit repair company nor a mortgage company. Please remove this information 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 explanation
Consumer complaint received 2021-01-26
Company: BCA Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is medical. Amount is {$3400.00} as of XX/XX/XXXX. This account was paid by the Florida XXXX insurance. I tried to reach out to them but never received an answer. Upon looking over my credit report this collection showed on it. Now this account was paid. I want it removed from my credit report. Then I looked at another report from XXXX  this account came up. And with a different amount owed!!! Now I disputed it and yet to get this account off my credit report.

Company response to consumer: Closed with explanation