BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo was unable to appraise the property I am purchasing in time to meet my closing & was unresponsive and ineffective in resolving the issue. I went under contract to buy a property XX/XX/XXXX. I chose Wells Fargo because they said they could meet my closing date of XX/XX/XXXX & would schedule an appraise that day to expedite the process. The appraisal was never scheduled. Wells ordered appraisals through a 3rd party and refused to follow up and resolve the issue when the appraisal companies canceled and failed to meet their obligations ( they would simply tell me the status listed in the system rather than actually checking with the company ). Finally it was too late to move to another bank and still make the closing date, which will likely result in losing my deal and therefore the thousands of dollars I have invested in inspections, title search, attorney fees, etc., not to mention losing a unique property that I will not be able to find a substitution for. Throughout the process, I have made many phone calls that were unanswered ( and voicemails not returned ) and hit frustration after frustration as Wells ' only response has been " it's out of our hands. '' This also impacts my credit report as a credit inquiry I should not have made.

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 2020-12-10
Company: JPMORGAN CHASE & CO.
State: TX
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:
This complaint is about my Chase Freedom credit card. I had this credit card for a 2-3 years, and my highest limit was {$12000.00}. I was paying it monthly and going about my business as normal. This year I have not worked due to COVID. I have not been able to find work even after applying - either I was too over qualified as I was given an excuse of or just havent been contacted. I would take anything right now. Anyway, I havent been able to pay this credit card as I am choosing to pay my rent before the card. Chase knows I can not pay, and they continue to charge late fees and interest fees. They keep sending emails that it will be written off. Fine. But it hasnt ... so it continues to charge me fees that I can not pay. This is ridiculous. I would have paid it back when the charges were smaller if they allowed me to set arrangements, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company continues to take actions on my account that make my payments ineligible to count towards PSLF. 

In the Spring of XX/XX/XXXXI called because despite my IDR plan application being processed and being given an amount to pay each month they had me owing XXXX dollars more than what I qualified for. I called several times each time being told they didn't have answers for me. My account was overdue for 5 months until I filed a report with CFPB. 

Most recently, in XX/XX/XXXX I called to have paid ahead status permanently removed from my account. In XX/XX/XXXX they put my account in paid ahead status 3 times each time I had to call and have it removed and that monthly payment didn't qualify towards the PSLF because of it. Again, in XX/XX/XXXX they have placed my account in paid ahead status and my payments have not counted towards PSLF. I have called several times this year to have the paid ahead status permanently removed to be told it has been removed and then each month it still showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Being charged 408 % interest. Negative amortization on loan. {$2500.00} loan paying over {$8000.00} in total with {$450.00} twice monthly payments. Ive already paid over {$2000.00} but currently owe more than the amount borrowed.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX SS XXXX DOB XXXX Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. 
The following accounts are listed that show late payments for 2020 : CAPITAL ONE BANK # XXXX. The dates were XX/XX/2020, XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. 
I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. 
The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX Balance : {$1200.00}

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 non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I told the XXXX, XXXX, and Exquifax to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then records of Convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a Consumer to any Consumer reporting Agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Advanced Resolution Services Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company XXXX XXXX XXXX called my cell phone and harassed me at work and claim to have sent me a letter via mail. First they said I had a debt of XXXX  with the irs from XXXX/XXXX, which was filed and accounted at the time. Second, the claimed debt is over 5 years old and the company could not validate the debt. The staff presented this to manager who was informed that they were sent a letter to cease and desist all phone calls and would only be permitted letters at this time. 

The debt has still not been validated and the company is being asked at this time to provide written proof of debt which it has failed to do

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 2017-07-02
Company: EQUIFAX, INC.
State: SC
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:
Between the months of  XXXX ,  XXXX , and  XXXX  of    2017  an unverified account with  XXXX   XXXX  for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under  XXXX   XXXX   XXXX  for {$2600.00}. Once  XXXX   XXXX   ( who m I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive m y five bus iness day notice that this information was being re-reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are back tracking me from my goals.

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 2023-09-25
Company: Debt Collectors International, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, a debt collector called my wife stating there was a judgment against me from XXXX XXXX for defaulting on a kitchen repair. The debt collector stated i work and is the point man for XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX. And the address is XXXX XXXX XXXX, MI. The debt collector had my name, DOB and SSN. In which I dont know how these people got the information All these allegations are fraudulent. 

I work full time at XXXX XXXX XXXX as an XXXX  since XXXX. My phone is XXXX. 
The case number is XXXX and the judgement was recorded on XX/XX/XXXX The debt collector also stated I was serve the notice which is a lie. I never was serve any such document. 

Im filing a police report XXXX XXXX XXXX XXXX Police for stolen identity and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report is showing that I have a bill since XX/XX/2020 for Transworld System Inc., for {$1300.00} for XXXX XXXX. I am trying to buy my first home, meaning I don't have a home, so therefore, why would I have " XXXX XXXX. '' I live my mother. I don't need this, why would I have this bill? The debt is not mine. I '' ve called Transworld System , Inc and they keep telling me that they have to research this! It's been a month since they have been researching it. Because of this, I'm not able to move forward with my purchase! Please have them fix this!!! 
I have no documents because I have never been sent any thing on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD XXXX. The dates were XX/XX/2020, XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2021-07-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Westlake Services, LLC
State: NV
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:
Credit Reporting agency will not remove or fully investigate account accuracy

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 2020-12-11
Company: Southwest Credit Systems, L.P.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have anything on my credit reports with this company, Southwest Credit Systems. They call non-stop every single day and never leave a message. When I block the number, they call back with another number. I looked them up online and they are doing this with hundreds of people, many said they are fake debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Colony Brands, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received XX/XX/XXXX letter and respectfully disagree. # XXXX The facts from my statements since XXXX are : XX/XX/XXXX, {$8.00} ; XX/XX/XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX {$4.00} XX/XX/XXXX, {$4.00} ( which I assume is dispute from XXXX XXXX ) CREDITS : XX/XX/XXXX {$40.00} and XX/XX/XXXX, {$1.00} ; XX/XX/XXXX, credits CREDITS : XX/XX/XXXX, $ XXXX XXXX Thus I am reading all interest and credits DIRECTLY from statements since XX/XX/2020, thus I am perplexed by your letter XX/XX/XXXX Please " XXXX and XXXX '' me thru all the interest / credi entries as to why they come in " bits and pieces ( ex {$0.00}! ) I am just reading charges and credits from statements and do not see how it reconciles with what you see

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I opened a PNC bank checking accountincentivized by the promotion PNC was runningat that time. Specifically, {$200.00} bonus for opening a checking account and setting up a direct deposit. I met all the requirementsof the offer, but never received the bonus. My multipleattempts to resolve the issue with PNC customer service were unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give XXXX DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a {$10000.00} electronic payment from my checking account to pay down a portion of my existing Home Equity Line. This {$10000.00} was never applied to my {$75000.00} balance on the Home Equity Line. During the same week, we refinanced the HELOC with the same bank & they opened up a completely different account. However, they transferred the full {$75000.00} and did not reduce by the {$10000.00}. I have repeatedly called their loan department, as well as my local branch, and they keep saying that they have a new system and are having issues. They acknowledge that the money was never applied to my account. As of today ( XX/XX/XXXX ) ... almost 1 month 1/2 later ... .I still do not have the {$10000.00} either in checking cash or applied to the HELOC. I understand under the Expedited Funds Availability Act that  this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Advantage Credit, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that Advantage Credit was the company that ran the report. At XXXX, I called Advantage Credit and informed them that I did not request a credit check. I was informed that XXXX XXXX of XXXX mortgage was the person who requested the credit check. XXXX phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED 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 explanation
Consumer complaint received 2020-02-10
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient XX/XX/2006 XXXX $ Navient XX/XX/2006 XXXX  $ School closed down, paid in full, still being reported as open.

Company response to consumer: Closed with explanation