BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XX/XX/XXXX, I informed Wells Fargo to place a STOP PAYMENT of a check written in the amount of {$3600.00} to the United States Treasury ( i.e., IRS ). The STOP PAYMENT was placed. The {$3600.00} and the {$35.00} STOP PAYMENT fees were deducted from my Small Business account. During XX/XX/XXXX, IRS sent me a copy of the returned check due to the STOP PAYMENT as an unpaid bill due. Since {$3600.00} remained deducted from my Small Business account, I paid IRS that amount plus interest. After hearing from IRS, I notified Wells Fargo within XXXX business days during XX/XX/XXXX ; I notified Wells Fargo again during XX/XX/XXXX. Wells Fargo refuse to reimburse me, although the {$3600.00} was not paid to IRS and remained debited from my account. Wells Fargo claimed that too much time passed before I notified them about the charge.

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 2019-05-07
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: Account information incorrect

Complaint:
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX.XXXX and XXXX XXXX.XXXX and one was made at XXXX XXXX   On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX.XXXX. and XXXX XXXXXXXXXXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore, it has been [ 37 ] days since the debt was paid in full and it has yet to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My daughter, filed bankruptcy last XX/XX/XXXX to stop the foreclosure on our home. Due to my illness I was not well enough to file. Once she filed the mortgage company has worked out a curved with the trustee. To sell our home.. and when I called, to try to work out something with the mortgage company I was giving all this wrong information and no help. Surely my daughter is only on the deed of the property. I 'm on the note, and deed of property. We 're force to be homeless due to an aggressive trustee, wanting to make money for himself, and a mortgage company with no morals. Trustee going to court to ask for my part of property to sell our home.which the mortgage company could have work out something with me to be able to sell my own home.. not be force by trustee and his realtor .. so they can make money .. and my family and I will become homeless. My granddaughter who is XXXX years of age has been approach by strangers coming and lurking on our property asking her all kinds of questions about the house being for sale.. I hope that Shellpoint Mortgage Servicing will not get a chance to do this to another family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I fell behind in my mortgage payments ( Shellpoint ) and was given an agreement to make three consecutive payments of {$900.00}. I was working homecare and XXXX ( fall 2019 ) and not able to make all three payments. I was served paperwork indicating I had to pay rears of {$20000.00}. I panicked and filed bankruptcy. Since that time Shellpoint representative ( XXXX XXXX ) have ignored my plee. In an effort to save myself I filed bankruptcy. Attorney XXXX XXXX ( bankruptcy ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My dispute is with Discover Card. XXXX XXXX XXXX charged me {$7200.00} to handle an IRS issue. I had to sign a form to authorize them to charge my card so they can start working on my matter. {$4000.00} was charged to Discover. XXXX never resolved the problem and left me hanging with the IRS. I had urgent letter from the IRS faxed to XXXX and the case manager never acknowledged two emails, four phone calls so I had to hire another tax attorney for another {$1000.00} to try and resolve the matter. Discover told me to mail my documentation and I did so and they sent me the contract that I authorized XXXX to charge my card that is fine if they did the job they contracted to do. There is a clause that all urgent letters be sent to XXXX immediately and the client ( me ) must respond promptly to their calls. I guess it does not work the other way they never got back to me until the BBB contacted them. Then their quality assurance person told me we can partially refund you if I drop all complaints against them and take down bad reviews. That is " Blackmail '' Discover is not working on my behalf they accepted the non fact that they provided the service which not the truth why would pay another {$1000.00} to tax attorney to take over the handling. I wrote to the CEO of Discover and waiting on response. This is " no brainer '' XXXX did not do what they advertise to do and told me what they would do. I been ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I went into XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX to get a personal loan, and was approved. Over the remainder of the year, I have been making payment bi-weekly that are taken directly out of my bank account. They are charging me 279% interest rate, which is making it impossible to get this loan paid off. No to mention the fact that this is putting a huge financial strain on my family.

I have contacted them numerous times, asking what I can do to get this loan paid off and they continue to tell me I would need to make additional payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: MT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Chase for 2 years now they keep giving me a run around telling me that I have n't submitted documents telling me that my documents are incomplete that someone has called me, that they are calling to verify information and that they do n't have it they never return my calls they have other people call mix-up information and refuse to call me back or follow up on paperwork they tell me that the paperwork is in escalation and each time I call they say that it 's still in escalation and it 's been going on for almost 2 years I can not get anywhere with this my loan is in default and it just keeps adding up more and more fees and they refused to go any farther with this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised XXXX XXXX could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.

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 2018-01-03
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
NAVIENT consolidated the Loan amount stated below on XXXX/XXXX/XXXX but only shows payments from XXXX/XXXX/XXXX. When I contacted them to protest the balance they claimed that they do n't have records for the previous 5 years. I 'm frustrated by their lack of accountability in managing my account balance. I also started a XXXX in XXXX and should have qualified for Loan forgiveness under the Navient Guidelines for Forgiveness & Discharge,  but again, I received no assistance in this matter. My XXXX XXXX has been active and Filed all Tax returns through XXXX. When I heard they were being Sued by the CFPB as well as three Attorney 's General, I investigated and feel well within my rights to file a complaint to seek relief from this " Never Diminishing Balance '' The following are facts pertinent to my Loan obligation with NAVIENT * {$68000.00} in consolidated Student loans, * XXXX per month payment, amortizes out to 4.125 % over 30 years Leaving a balance ( allowing for 12 months of deferment ) OF {$50000.00} * Current Balance, however, is XXXX * Missing payment Schedule between XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX Eligible for Loan Forgiveness from XXXX when XXXX XXXX was approved. 
* Balance should be {$50000.00} ( not calculating the payment increase to {$340.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Westhill Financial
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
At XX/XX/XXXX I received a phone call from XXXX XXXX ' from Westhill Exchange LLC in Colorado . He stated that I owed XXXX XXXX XXXX a debt from XX/XX/XXXX and that if I did n't pay he would be taking me to court and I could go to jail. He verified my old address and some other personal information but stated that he could n't send me a bill in the mail to verify this account. I told them that I do n't have that kind of money laying around and I need to have something sent to me. With having a family and with me only working, I paid them the almost {$500.00}. He was supposed to send me an email of confirmation for payment, which I never received. Nor did I ever receive anything in the mail. After returning home, I spoke with my wife about it and she started investigating. Called the bank and submitted a fraud claim against them. The bank has then determined that the claim is in my favor and it was defiantly a fraud. I am now being harassed by XXXX XXXX from Westhill Exchange LLC again via email and phone calls. He states I need to contact him ASAP before a court case is submitted to jail. Please help me with this, I am being harass by XXXX. He ca n't verify this past debt and wo n't stop threatening me with court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 REQUESTED TRANSUNION ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR  COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT 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 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2020, my wife fell victim to a phone scam, she went missing in fear of the scammer ; but was safely found and retrieved by the XXXX  MA. police department. during the course of this scam she was coerced into using our debit card to get money to the scammers via gift cards. As she was forced to do this by the scammer this was an unauthorized electronic funds transfer. After safely finding my wife we immediately filed a police report ( attached ) & contacted gift card vendor to try to reverse transaction and investigate ( target declined to do so ). then at the police station in XXXX ma they helped up contact our Bank Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN. XXXX, XXXX. We notified the bank of what happened, submitted a police report and created a dispute. It has been months and we never had any response from our bank ; however upon calling them they verbally confirmed that they denied our dispute for unknown reasons ; they refused to provide the information in writing which baffles us. We lost {$2000.00} dollars directly from our account via debit from this scam. We were informed about consumer protection laws such as electronic funds transfer act regulation E that may protect us in this situation. We need help dealing with our bank. Thank you, XXXX & XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Office depot and citibank have misleading practices where they assess multiple fees without notifying me prior to obtaining credit. 

They are deceiving the public by hiding additional fees and cost that do not conform to common credit practices. These fees we never explained to me and if they were I would not have taken the card. 

Employees pushed the benefits of the card without warning me about minimum monthly charge requirements and other obscure terms

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 2020-04-30
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Before I could direct the funds elsewhere, by the time the IRS released the " get my payment '' tool they had already disbursed my stimulus funds into my cash app account. I'm on day XXXX now and I still can't cash out or access the money in that account. Support is nonresponsive. Every time I try to access my money it says " We've detected unusual activity. To protect your funds we've temporarily locked your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: American Financial Resources, 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: Account status incorrect

Complaint:
I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account is closed.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My son is in the process of buying my home at XXXX XXXX XXXX, XXXX, NY, XXXX. He is using XXXX XXXX  also. Because the home sale is in progress and will close soon no payments were made for XX/XX/XXXX, and XX/XX/XXXX. His lawyer and on advice from XXXX XXXX  said this would not be a problem. Today I received an E-mail from Transunion stating my account is two months overdue and that my credit report took a XXXX  point dive. I am extremely upset about this. After the required home inspection it was stated that some Vinyl siding panels needed to be installed along with a handrail. This work is in progress now and due to sub-zero weather the work will be completed in a couple days. Please tell me how to remove the negative credit report. XXXX XXXX  is involved with this transaction and my son has been in constant contact with XXXX XXXX. How did this happen and how will it be removed. I have never had a late payment until this sale that XXXX XXXX  is handling. 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 2019-05-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Numerous phone calls before and after filling of bankruptcy. Harassment and ongoing calls from company.

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 2022-02-07
Company: T.S. Holdings
State: TN
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:
I have been trying to remove these fraudulent charges IQ DATA from my credit numerous times. XXXX is done with their so called investigation less than 24 hpurs after i dispute it and now won't allow me to dispute it at all. BOTH other reporting agencies have removed it because it is unlawful. 
In XX/XX/2018 my XXXX XXXX XXXX daughter were in a XXXX  XXXX situation for our safety I had to leave the state abrubtly and relocate..XXXX XXXX XXXX ( purchased by XXXX homes AFTER my tenancy ) was aware of the situation. Never once was I informed of ANY of the charged they are reporting fraudulently. That home was left unlocked with a key left the inside at THEIR request. I have requested documentation for this {$16000.00} debt that is OUTLANDISH and haven't received anything from either company detailing WHAT and HOW I owe that money. I was never notified of the debt or given the opportunity to defend myself against this debt or even that it existed at all until it hit my credit. If there's a judgement I was never informed That's FRAUDULENT and illegal! It's been disputed a thousand times it's been completely removed from my other reports as FRAUDULENT and now i need someone to PLEASE help me remove this absurd amount of non existing debt that wasnt incurred by me from XXXX. This has held me back from having a place to live for my child for 2-3years and I deserve answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
A hard inquiry was done by XXXX XXXX through Capital One without my consent. I consented for a hard inquiry by XXXX XXXX through XXXX XXXX and I was approved. Capital One has previously done a soft inquiry on my credit and denied me auto finance, so I knew Capital One was not an option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the time this debt was made I was between insurances. I am now on medi cal which covers everything

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