BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
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:
Wells Fargo knows very well that there were unauthorized charges on my credit card. They still continue to charge me late fees and cash advance fees. They closed this complaint but the investigation is still ongoing. It is impossible to reach them. I think they are just stealing my money.

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 2017-12-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX called my job looking for me. Instead of sending me documents by mail, and not calling my regular phone. I think its a scam. He called from National Credit Adjusters XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with TransUnion. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by TransUnion and they refuse to remove it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: AES/PHEAA
State: CO
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:
Filed an investigation regarding number of qualifying payments made towards Public Service Loan Forgiveness in XX/XX/2019 and have received no follow up communication regarding results. I am being told that a timeline for completion of this process is " impossible to provide ''. Fed Loan is the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CREDIT ASSOCIATES, INC. (OR)
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 - I called to let them know this debt is over statue of limitations as I have not even lived in this particular city in over 13 years. I was told that is not the case and that it is owed and that there is no statue of limitations on this debt. I told them I dispute this debt and that I am not admitting I owe the debt and was then told they would verify the debt and send me the proof.

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 2021-06-04
Company: WELLS FARGO & COMPANY
State: CA
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 have been a Wells Fargo customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through Wells Fargo Bank. In the past 28 years Wells Fargo has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet Wells Fargo is reporting me 30 days late In XXXX of 2014. I tried to dispute with XXXX  and XXXX  and XXXX  unfortunately the problem was not fixed. Now I am forced to file a complaint against Wells Fargo Bank for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
Wells Fargo knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Federal Credit Union switched me to a Premium checking account which has a $ XXXX monthly fee. They did this without my consent and never sent me any paperwork. I first heard about it on their XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit card had few unauthorized charges on my credit card. I have disputed them immediately online and by mail. While dispute was reviews it accumulated late fees and finance charges. Finally after long time dispute was resolved in my favor and all late fees and finance charges were reversed. However late payment was reported to all credit agencies which is not true as I was never late for payment.

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 2021-09-14
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/21 I purchased 2 handbags from an online site in the amount of {$320.00}. I was not aware that the site was a scam. The handbags were received and were counterfeit. 
On XX/XX/21 ( after disputing with XXXX ) I contacted my credit card company, Chase. The Customer service representative informed me that if I could prove that the bags were indeed counterfeit I would be able to get my money back. 
On XX/XX/21 I faxed 20 documents to the dispute department at Chase. These documents included authentication from the handbag designer that the bags were indeed counterfeit as well as all of the email exchanges between myself and the retailer attempting to return them because they were counterfeit, copies of my receipts and photographs of the fraud site. 
On XX/XX/21 I contacted chase to follow up and was told the case was still under review On XX/XX/21 I contacted chase again and was told my original documents had not been received. During the same phone call the documents suddenly appeared but are still under review. 
On XX/XX/21 I contacted chase again at which time they told me I was missing documents. It was clear to me at this time that no one was in fact reviewing my case because all of the information was included in the original 20 pages I faxed on XX/XX/21. I was told to write a letter outlining all of my attempts to get this resolved and resend the 20 pages of documents along with it. 
On XX/XX/21 I contacted chase again and spoke to a supervisor named XXXX. I was told that I waited too long to prove the bags were counterfeit. And I was outside of the 30 day window. At which time I explained that I had sent those documents to chase on multiple occasions, the first being well inside the window. The supervisor said he was sorry but theres nothing more that they could do. 


My documents were sent in the allotted amount of time and my case was mishandled. Now I am suffering the financial consequences due to repetitive errors and cover ups by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: MI
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 is reporting a balance that is incorrect and has been incorrect, going on 30 days now. I have contacted them and the credit reporting agencies and have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/2018, I called Transunion because i noticed unauthorized Hard inquires on my credit report ( XXXX and XXXX  XXXX XXXX XXXX, i was transferred to a Supervisor by the name of XXXX. 

I told XXXX i noticed there were 2 hard inquires i did not recognize on my credit report and i would like to dispute those unauthorized hard inquires and removed under the FCRA XXXX told me that hard inquires cant be disputed with Transunion and it was TransUnions policy not to dispute Hard inquires. 

After many attempts during the phone call asking XXXX to dispute those hard inquires he refused and told me to contact both creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Southwest Credit Systems, L.P.
State: PA
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:
Policy Number : XXXX I faxed XXXX XXXX XXXX Collection Supervisor at XXXX twice Auto Insurance Policies documents showing the date I cancel the Policy with XXXX before payment were due, Never received a respond, he just since this false payment to the Collection Agency ( Southwest Credit ) since I never paid the falsely requested amount of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SLM CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a SallieMae credit card offer through an e-mail solicitation ( XX/XX/2021 ) promising a {$200.00} cash reward after spending {$1000.00} in the first three months. Upon approval, they had switched the reward to a 2.5 % bonus in a thoroughly confusing approval screen. I had to wait four months and after not receiving the {$200.00} cash reward I spent endless phone calls an e-mails with their reps to no avail. They only kept repeating I had accepted the 2.5 % bonus when I had an e-mail saying NOTHING about a 2.5 % bonus bit it DID offer the {$200.00} cash back. They refused to even look at the e-mail. And, BTW, they are NOT EVEN paying out the bonus at 2.5 % -- it's only been paid at 1.25 %.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: GreenSky, LLC
State: NY
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:
On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company Home Depot & credit bureaus including XXXX. They have yet to remove a fraudulent hard inquiry on my credit report known as the/XXXX inquiry from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Transunion ( XXXX # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-03-06
Company: CrossCountry Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Obtained pre-approval on loan prior to searching for a home and was approved for FHA loan and XXXX XXXX informed me that he will need 60 days to close on FHA. 
XX/XX/XXXX offer made on property at XXXX XXXX XXXX XXXX PA XXXX and not expected to close until XX/XX/XXXX based on what I was informed. 
Provided XXXX XXXX and his team at Cross Country Mortgage everything they requested in a timely manner. 
During the 60 days timeframe sent multiple emails were sent to confirm on track and request status update. 
I was sent disclosures documents to sign in middle of XXXX. At the end of XXXX I was informed that the loan Originator XXXX XXXX had made a mistake on the initial disclosures statement, my interest changed and points were being added despite the purchase amount of the property did not change. 
I confirmed after getting the disclosures paperwork with the increase that this will not delay closing as I was renting and I had already provided my lease termination letter to my landlord. 
Closing was to happen on XX/XX/XXXX however one week before that I was informed by XXXX XXXX that we are not able to close due to the error he made in the original disclosures paperwork. 
So closing happened 1 week after original date, however even after closing I was contacted to provide additional information and they did not have all of the necessary paperwork to the settlement office as requested 24 hours prior to settlement date, the paperwork was submitted with a couple of hours to closing time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
State: NV
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:
I started making payment to get out of default, once out of default i tried to srart working on the debt. After making a settlement release payment of XXXX i got a wage garnishment paper from department of education. They told me i have n't made any payment and the XXXX XXXX XXXX that i was paying was not real. And none of that money even counted as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Ocwen Financial Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
CFPB ID XXXX-XXXX  I do not agree with the actions taken by the PHH Mortgage company to resolve my previous complaint number XXXX-XXXX. They stated in a letter sent to me on XX/XX/2021 that they would issue a Check of {$600.00} by over night delivery for the replacement of lost stock certificates. They gave me a tracking number for the check. I called XXXX  to find out about the tracking number and was told that XXXX never received that package to forward it to me. When I called the PHH Agent and told them about not receiving the check I was informed that the PHH research department would contact me. Well I got a letter from the PHH research department requesting that I provide them with information about the check, and to send them a copy of the check. Common sense in the part of the PHH research department is surely missing. I just finished telling anyone who would listen, at PHH Mortgage, that I havent received their check for {$600.00}. Please help PHH understand what this entire situation is all about. Simple solution is to nullify any check they thought they had sent and issue a new check for {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: DISCOVER BANK
State: MI
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:
Discover continues to violate the FCRA, I am using this platform to both file additional disputes against Discover card and documentation for litigation which seems to be a certainty. 
On XX/XX/XXXX, I wrote a letter informing Discover Card that all charges for an account in my name ending in XXXX was the result of IDENTITY theft. I followed the steps provided by the FTC website and provided all identifying information. I also requested all communications to be in writing via my email address, USPS or XXXX XXXX. to insure accuracy and ability to document all communications. In defiance of Congress and well established law, Discover willfully rejected my claim without any sort of investigation. 

On XX/XX/XXXX. After 6 days past and Discover continued to call 2-3 times every single day and the fact this tradeline had not been deleted or blocked from my credit report as required by the FCRA, I wrote Discover again, this time using the forms provided by the FTC website and providing all the necessary documents including my Identity Theft report, the FTC affidavit, copy of an AFFIDAVIT OF IDENTITY. I was specific and polite. In my CFPB complaint, I asked Discover to CEASE and DESIST all phone calls. 

On XX/XX/XXXX I wrote XXXX , XXXX and XXXX informing them the Discover Card ending in XXXX was the result of Identity theft and requested for the entire tradeline be deleted from my credit reports as required by the FCRA. I sent my written notice, claim and affidavit by CERTIFIED mail to XXXX, XXXX and XXXX. The three credit bureaus mentioned forwarded the request to Discover on XX/XX/XXXX. 

Astonishingly Discover again denied my direct claim and denied the claim from XXXX, XXXX  and XXXX. Without a reasonable investigation. Unless of course Discover claims they conducted a reasonable and thorough investigation in 1 day. Discover continued to call me 2-3x every single day. 

According to FCRA 15 U.S.C. 1681-1681y, specifically 15 U.S.C. 1681s-2 After receiving a dispute Discover MUST conduct a reasonable investigation, if the consumer is not satisfied with the resolution, upon request Discover MUSt provide every detail of the investigation to the consumer. 

On XX/XX/XXXX I filed another dispute with the credit bureaus, by certified mail. XXXX, XXXX  and XXXX all received my dispute on XX/XX/XXXX and XX/XX/XXXX. One day later Discover denied my request for a third time, without any proof of an investigation. 

On XX/XX/XXXX I filed a complaint with the CFPB claiming Discover is willfully refusing to conduct a reasonable investigation, and refuses to provide me with the UNREDACTED file of any relevant information that may have lead to their UNINVESTIGATED DECISION. Again a requested Discover to stop calling me. The last call I received was on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have submitted disputes for the inquires on my reports and no one has updated me yet ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with DISCOVER BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DISCOVER BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. DISCOVER BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with non-monetary relief