BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I called Mr. Cooper and spoke to a representative in the collection/loss mitigation department and made payment arrangements to pay my past due. He told me to pay 2 pays and rest would be divided into 4 payments, I asked him how I should pay, he said to wait until I get a letter of confirmation of the arrangement and go online and make payment, he said wait around 10 days. So I waited, and didn't receive anything in the mail, so I tried to make a payment online but it would not take it. I called on XX/XX/XXXX, Mr. Cooper office was closed, then I called on XXXX and was told I didn't have a payment plan and that my house is in foreclosure, the plan was not approved and it was denied, I asked to speak with a supervisor, so someone by the name of XXXX XXXX at the Loss Mitigation department manager called me, I explained the situation, also advise him I didn't get a call nor a letter stating that my payment plan was not approved, he agreed with what I said and said he will review the file and get back to me and even maybe he can put the plan back on the system and let me do it that way. He gave me his number and said he will call me back in 24 hours. Well a day passed and I didn't get a call and I called him and left detailed message, still didn't get call back, called again the next day, I left 3 message so far and no one has returned my call nor I have received anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.

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 2023-05-16
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are XXXX and Nordstrom credit cards. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: World Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
World financial Corp said that I am not in their system so I ask that they remove this debit from all XXXX credit bureaus immediately. No record of my name so please remove that item

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: VW Credit
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: Problem with personal statement of dispute

Complaint:
On or about XX/XX/2020 I submitted the following letter along with statement attachments to Volkswagen Credit : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to Volkswagen Credit. This is a structural attempt to discredit me and my credit history by XXXX XXXX and Volkswagen Credit. XXXX XXXX submitted four credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Have contacted the companys with the following account numbers and have failed to provide singntures of both mine and theirs which proves I dont have a contract with them they can not provide a contract so the following accounts must be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In 2009 it had an account with Wachovia Bank. I am now receiving at least 4 calls per day in my phone from reatricted numbers with this guy treating to serve myself and my wife with papers and suing us for the old debt. He is also calling my wife 's phone at least 3 times per day. He had also contacted other family members and past employer giving them information. He is also threating to garnished out wages and bank 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 2023-01-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account # 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 non-monetary relief
Consumer complaint received 2019-10-31
Company: First Credit Services Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had cancelled my gym membership at XXXX XXXX in XX/XX/2019 and then was charged for two months afterwards in XXXX and XXXX. I disputed the charges with XXXX bank since I did not get services from XXXX    XXXX and I won the dispute and got back {$79.00} I just received a letter in the mail from First Credit Services that I owe debt to XXXX XXXX and the amount is much larger ( {$150.00} ). I should not owe anything to XXXX as i cancelled my membership, already won the disputes and am extremely dissatisfied with their service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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:
XXXX, experian, and XXXX are reporting accounts on my report that i have no knowledge of. I have disputed these accounts numerous times and yet they refuse to remove the unverifiable accounts from my report. The accounts are XXXX XXXX XXXX, XXXX XXXX, and 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 2023-01-26
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a Credit Karma consumer I had been affected by the false advertisement of a credit card that was pre-approved for a 90 % chance of getting the credit card through Credit Karma and towards the end of the filing I was still denied and my valuable time had been wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It all started after I closed my account with XXXX wireless on XX/XX/XXXX Ive been receiving emails and letters and calls from a debt collection agency called sequium asset solutions. I tried calling this company and XXXX bud never to get through to anyone. They never answer their phones so I assumed it was false or scammers. I was under the impression that it wasnt real because I contacted XXXX months ago back in XXXX and I was assure that I should ignore it and my credit would not be ruined by them. After I closed out my account the XXXX XXXX assured me my account would be zeroed out and I have no financial obligations to XXXX being that I did not have a contract with them I brought over my own phone and I was on a month to month plan. The reason I closed my account was because from the date of XXXX XXXX XX/XX/XXXX of closing my account it has been nothing but a mess I could not access my phone I could make or receive calls I had zero data usage where I can show proof of and not only that an agent took it upon his/herself to upgrade my plan to a more expensive one because they thought it would be better for me and better data usage so I was credited {$40.00} for the inconvenience. From them I was not comfortable keep this account open. I should noticed when they threaten to send my account to debt collectors and  ruin my credit when I was in good standing with them when it was the company who was at fault the entire time I was in full compliance with them. I have proof to show the hours on the phone with them and emails and constantly contacting them. I was even sent emails saying that I never used my line upon opening the account with them. Any how I was told by the agent that I should ignore the monthly bills and letters because XXXX was in the wrong and the account is close theyre should be no active bill. So Im utterly confused as in to why they ruin my credit and sold my information wrongfully to a debt collection agency who dont even have the decency to answer their phone. This is not right I was even told legal actions will be taken against me if I dont pay off the debt. This is downright outrageous! Whats even worst is XXXX refusing to speak with me about the matter at hand. After ruining my credit. All of this was occurring during the Covid-19 pandemic at a time where Im supposed to focused on the safety of my family and myself this occurred? Great job XXXX and Sequium Asset Solutions!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Capital One. XXXX XXXX an account was opened. That account ended in XXXX. 
After a XXXX XXXX payment was recorded as late the card was paid to {$0.00} and then not used. 

In XXXX XXXX or XXXX XXXX Capital One marked the account as closed. 

In XXXX an unsolicited offer of credit was made with an account number ending in XXXX. 

Capital One is now claiming the XXXX account is the same as the closed XXXX account. 

Capital One and its XXXX alleged XXXX attorneys refuse to provide the contracts used to create the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Self Lender 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: Account status incorrect

Complaint:
My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have sent multiple disputes asking Transunion asking them to verify of immediately remove this collection from XXXX XXXX from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this 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 2021-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account online around XX/XX/2021 with Huntington bank. I deposited {$25.00} into the account. Huntington bank closed my account for reasons related to " risk ''. Which is interesting because I have opened accounts with other larger institutions since then, with zero problems. I have contacted customer service multiple times via chat and telephone asking when I will be refunded. They keep telling me the account is in the process of being closed. Its been over two months, does it really take that long to close an account and refund my money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech is using tactics to make me jump through hoops to avoid having to refund excess escrow owed to me. I called and requested escrow cancellation in XX/XX/2019. As a result of the cancellation, the excess escrow was to be refunded to me. As of the date of this filing, the escrow funds have not been refunding to me in my name only or been redeposited back into the escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
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: Trouble getting, activating, or registering a card

Complaint:
I called the customer service phone number and they say my account has a restriction that is causing a problem.i have completed the request documents and I still have a blocked account witch is preventing me from obtaining a new card sent to my new address .they deactivated my old card then told me they couldn't issues another one until my restriction has become removed.its been a week since I sent the documents and still nothing. I called XXXX XXXX XXXX and was told to submit a XXXX .I submited the documents and they still have my account on block with the restriction

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 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need to update the phone number on my fraud alert. I've sent TransUnion a number of documents, and a number of requests, to change this. I need to change the phone number to XXXX. TransUnion has said due to glitches they need documents mailed in. They've received those documents multiple times and have still not resolved my issue. This is causing me many issues. I am hoping through here, we can resolve this.

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 2017-09-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I deposited {$960.00} to the new Chase atm in XXXX XXXX, Florida. The machine made a whirring sound for a few minutes and then stated that there an error and the atm gave a receipt. 

Sequence # XXXX " Deposit to Chk Acct XXXX This device has experienced a technical problem. To confirm that your last request was completed properly, please visit a chase bank or call XXXX ''. I did NOT leave the atm for about an hour, while I called the number and spoke with a representative that claimed she would credit my account {$960.00} within the hour while the issue was under investigation by the claims department. The money was not deposited the next day so I had to call back & the claims department saw no record of that being told to me. They credited my account the {$960.00} and took information from me in case they had to reach me for any questions concerning the investigation. 
XX/XX/XXXX, {$960.00} was taken out of my account without any notice from Chase Bank 's Claim Department. I called and was told that there was no money in the atm and the claim was denied. I was also told that they would not look at the camera. I went INTO the branch & the branch manager,  XXXX, said she would personally look into it. She called the Claims Department and faxed over the receipt that stated there was an atm error with my deposit. The " Escalations '' department stated that they would resolve the issue in 24 hours. They did not. The branch manager called back and they told her they never said that. Even the branch manager stated that she has never seen such incompetence in 15 years at her job. The Escalations Department then claimed it would take 7-10 business days. I have no heard anything and called them today, spoke to 4 people in 20 minutes and finally spoke with " XXXX '' who stated it was against company policy to give an agent #. XXXX told me the claim was denied, that they looked at the video and did n't see anything which is a LIE. So either, the guy who checked the atm stole {$960.00} from a single mother who had never over drafted or Chase Escalations Department defrauded me out of {$960.00}. I do  not understand how this is even remotely acceptable. XXXX told me his supervisor would call me in 24-48 hrs to tell me  what he already said. I told him I wanted this resolved and he said the issue was resolved but I just did n't want to accept it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported card lost slash stolen sa month or to ago. Fir charges. Made on a store card of XXXX at XXXX store I have no knowledge of nor have I ever been to nor do I have that kind of money to m I completed firm in and it was returned on time to Target fraud division and told my case was good. However they have overturned there decididion and are claiming I am liable because a pin was used at register etc. Again I asked them if they needed my I'd and we're interested in pulling video at the consumer location to prove I dud not make purchases they mentinod they will look into it. I was harrased by the fraud investigator asking me if that was my real name real phone number real age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying since XXXX XXXX to get this wrongful XXXX XXXX problem off my credit report I have submitted 3 disputes to Experian with no 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