BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had signed up for a Wells Fargo checking about in early XXXX ( I believe it was XX/XX/2020 ) on a promotion that offered {$400.00} for opening a new account and having {$4000.00} worth of direct deposits made into the account within 3 months. I had met the deposit requirement a few weeks ago and was waiting for the bonus to be applied into my account. When I went onto my account today ( XX/XX/2020 ) it informed me that my account had been closed. I went through my email and Wells Fargo message center to see if there was any explanation to this and found nothing but an email and a message on Wells Fargo ( the only message they have ever sent on the messaging center ) stating the account had been closed on XX/XX/2020. I had called Wells Fargo customer server to inquire about this and was questioned if I was the one who closed the account and was told that there must have been some type of contact as to why the account was closed ( no emails or messages were sent prior to the account closing and the representative also questioned me multiple times regarding if it was me who closed the account ). She then proceeded to argue that the promotion was not as I said and it was actually {$3000.00} in direct deposits per month for 3 months. I had attempted to inform them that that was not the promotion and that I did not receive any communication regarding the account closing and that I did not close it. They continued to argue with me and tell me that I was incorrect and that they did not have a reason as to why my account was closed. The only thing they could say was to go into a banking location and discuss this with them. 

I feel scammed and I do not think it was a coincidence that my account was closed right at the 3 month mark ( opened on XX/XX/2020-closed on XX/XX/2020 ) that would qualifying me for the {$400.00} bonus. I still have no explanation as to why the account was closed and was offerEd no assistance from Wells Fargo. They were very rude and not concerned at all with the fact that they could not explain why my account was closed and argued with me regarding the terms of the account being closed. The account was active and was set to receive the direct deposits from my paycheck. I am supposed to be getting paid tomorrow ( XX/XX/2020 ) but I am now not going to receive my check because my account was closed. I do not know how long it will take for my work to send it to a different account but I know that I will now not only be out the {$400.00} promotion offered to me but also not able to access my money because it is being deposited into an account that is unexplainably 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 2019-03-11
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to notify you the reporting and compliance on this account ( s ) that is being reported on my credit report contains incorrect/inaccurate info. I am exercising my right under section 623 of the FCRA made available under FACTA 312 to have this inaccurate reporting investigated, not just send me a statement, but a true investigation of my concerns. To date, you are out of compliance and the accuracy and integrity of the information you are reporting highly inaccurate. As you already know the FCRA/FACTA 312 requires certain type of data audits and testing techniques to stay compliant and according to my records your is not since the data being reported is not 100 % accurate. As of this moment I am demanding that all collection activity, which includes reporting, to the cease immediately or you will be violating my rights per Section 623 ( a ) ( 3 ). Any update, other than REMOVAL, after this formal certified and dated notice of your inaccurate reporting/updates to my credit file will be considered deformation and fraud punishable by law under the FCRA and FCBA.

[ As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and proof of accuracy ] To date, I have notified your company and the credit bureaus of this and plan to hold both of you liable for ignoring my notifications as this item is still showing after I have demanded immediate removal since this inaccurately false information has been brought to your attention in my dispute to the CRA which you verified!! 
Your improper procedures are highly damaging to my credit score as I am sure you are aware of and can not be handled until you stop ignoring my request for proof of fairness, 100 % accuracy, timely, and compliance according the all consumer protection laws. 

My attorney and I will be awaiting your response within 15 days. If sufficient verification and proof of a full investigation of the accuracy of this alleged debt as listed above is not provided my next letter to you will be my intent to sue if it is still listed on my report after my notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/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 2018-03-05
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
i am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit

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 2020-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am XXXX XXXX, loyal customer of Bank of America from past more than 5yrs.  I have credit card ending with XXXX and credit limit is XXXX $ for this card. 

I have not used this card much in the last year and i have very less balance and i paid it off up to date. I have lost my wallet last year and when i opened my online account recently i have noticed has been lot of fraud in my account. I have only few automatic transactions which i authorize and rest all is fraud which totals XXXX XXXX Now the balance of my card if over the limit and it is effecting my credit history very badly. 

i have raised fraud claims in XXXX and initially claims have been resolved in my favor and i had a credit in my account. Suddenly all the transactions have been reversed on my account saying i possess the card with me. So the claims have been opened wrong by one of your customer representative. I have been continuously calling to Bofa from XXXX almost every day and you can listen to all call recordings. 

i have reopened the claims and its been more than 90days. I have been talking to so many so many supervisors and asked help. None of them could help me. I am having covid and i am suffering financial hardship very badly. I am waiting for these claims to be resolved so that i can use my card. 

Recently on XX/XX/XXXX, claims have been resolved in my favor and i received letter of same. Not sure how much is the amount of these claims and there is no credit applied to my account. Supervisor XXXX XXXX from existing claims have been helping me and he said he escalated the issue but still there is no change on my account. I am really very very much frustrated with this and I urgently need help with my account. 

Please help me and you can reply me or call me to XXXX for more details. i am not at all happy with Bank of America now and i urgently need help on this. 

Looking forward for reply, Thanks 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 2019-03-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Grant and Weber and XXXX XXXX XXXX have several accounts showing on my credit report after I had disputed it once and it was removed back in 2014. When I contacted Grant and Weber one week ago to inquire about the items listed on my credit report, he couldnt even provide the original amount that was owed because the XXXX XXXX   was charging me interest, is what he said. I explained that I had disputed this once before and it was removed, he was very rude, put me on a hold penalty, because I was over talking him. I asked him to provide the original creditor, he couldnt even provide it and he told me to contact them directly. I then said, how can I contact them directly if I do not have the information ( ofcourse by then, I was very upset ), he said I needed to write a letter to request information. I told him I was going to report him. Please ask to listen to our conversation as it was being audio taped. There are 4 different accounts listed by Grant and Weber and one from XXXX XXXX. I contacted the only hospitals I have attended and they do not have anything listed as being sent to the credit bureaus. This information would apply to all three credit bureaus. Please look into the matter and help!

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
A 609 letter was sent out to XXXX, XXXX, and TransUnion on XX/XX/XXXX. Another letter for FAILURE TO RESPOND TO DELETION/CORRECTION LETTER was sent out on XX/XX/XXXX, to XXXX, XXXX, and TransUnion.

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 2021-01-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
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:
The matter is reference to Lakeview Loan Care Services which holds my mortgage. I have made several attempts to discuss their incorrect, fraudulent credit reporting. They continue to report my loan as late and in default, which is INCORRECT. 
I have made over 6 months of on time mortgage payments during a pandemic. I qualified for their mortgage modification contract that required at least 3 months of on time payments and have continued to be current on my mortgage payments. 
As an example most recently they reported me late for my XX/XX/XXXX mortgage payment which I paid on time on the XXXX of XXXX. According to their online web portal and my bank statements they payments posted on time and yet they reported this payment LATE to the credit bureaus. As an example of their fraudulent practices. 
This mortgage company has been sued in the past for the exact same reasons and continue to do the same thing. This has caused damage to my credit standing. 
As a final attempt I called Lakeview Loan Care on XX/XX/XXXX and was transferred several times and on hold for hours I spoke with someone in Loss Mitigation. They admitted that the LATE credit reporting was an error on their part and promised to fix the problem by contacting the bureaus. I requested a letter or acknowledgement as proof of their good faith to resolve the problem. They absolutely refused to provide me with anything in writing. Matter of fact they kept me on hold and kept transferring me throughout different departments. They finally left me on hold until closing time and someone just hung up the phone. They have the absolute worst customer service and have no regard for their customers. They refuse to address the matter and when I call back I have to explain the entire situation to each person that presents on the phone. This shows that they are just providing lip service and do not intend to actually correct the erroneous reporting.

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 2019-06-30
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pulled credit report on XX/XX/2019 Found item on report and disputed Sent letter to company Company signed for certified letter No response from company Sent second letter to company Company signed for certified letter Pulled credit report on XX/XX/2019 and item remains on credit report Company does not respond to letters sent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Good afternoon XXXX XXXX, My name is XXXX XXXX and my complaint # XXXX. I am emailing you in regards to my complaint that I have submitted to you. It shows that the company sent me settlement letters XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have never received any type of collection settlements or documentation from the reporting consumer as stated. Therefore, the report should be deleted from my credit reports for not being received. I am in the process of trying to buy a home from my family and this collection is really holding me back from doing so for my family. I desperately need help with getting this removed from my report. Please help me to get this resolved. I desperately need help Thank You

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company accepted a reduced settlement over 2 years ago, then last year sent another reduced settlement notice. They told me at that time they would cease collection. Then this year a new company sent a notice to collect the remaining balance. Therefore, the first company send this paid debt to a new agency for collection.

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 2021-05-21
Company: FinCo Services Inc DBA Current
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened up a bank account with Current bank on I think XX/XX/XXXX. I won a promotion through them for XXXX XXXX On Saturday XX/XX/XXXX, I go to transfer out these funds to my XXXX XXXX and these funds get LOST. I have been speaking back and forth to XXXX AND TO Current. Each blames each other and no one knows where my money is or when I will see it. Both companies can not tell me why the instant transfer even failed. XXXX ATLEAST has customer service but this Current bank only offers chat support and not even email support. I suspect their chat is only XXXX. as I check on XXXX XXXX I am seeing many complaints and concerns with this nee bank. Can you help? I included the proof of a supervisor daring me to try and contact them over the phone, and all my emails unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am submitting a request and complaint to investigate my mortgage servicer Pennymac Mortgage Services address XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I received a notice on or around XX/XX/XXXX from an attorneys office indicating I must pay a total of {$7000.00} as I will be subject to tax liens and even foreclosure. I am not sure what to do as I was away on XXXX XXXX  service orders the majority of the year of XXXX and my mortgage servicer has ultimately failed to practice due diligence and maintain my mortgage while away on military orders form XXXX XXXX XXXX, while also granting me a full year of protections without any penalty or threat of foreclosure. My mortgage company has offered me an addition forbearance period due to Covid-19 wherein I experience a delay in return to work due to the pandemic as the job to resume mortgage payments in which I accepted requires me to be in direct contact with customers however due to an acquired medical condition while XXXX has limited my mobility as well undergoing treatment has not allowed me to returned to work due to the recruiter for the role I accepted ultimately passing away due to Covid 19. The office is shut down and most employees have been furloughed. My mortgage servicers is fully aware of this thus putting me in a position wherein I can lose my house at anytime especially when I was delayed and currently undergoing treatment for a serious medical condition acquired while XXXX. Please help me as I am not sure what to do at this point. It may happen again this year as I have not received any tax notices however have been provided options when Covid 19 smooths over I can restore my payments even if a subordinate lien is an option but they clearly dropped the ball. It is not a matter of me not able to pay but they forced me into bankruptcy a year ago to protect myself from their unethical tactics as I placed them on notice I was leaving and XXXX  for military service and believe this is another way of them finding subverting and covert unethical and unlawful measures to foreclose on my home by any means necessary. Very Respectfully XXXX XXXX Reservist/Veteran XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never open this XXXX CHASE JPMORGAN CHASE BANK Card. It says I opened it on XX/XX/2012 but I never did. I disputed it but it still showing in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The evening of XX/XX/XXXX I, XXXX XXXX XXXX, completed all my shopping for the day. I used my new XXXX XXXX with 1 percent cash back for using it. I redeemed cash of {$1.00} within the XXXX XXXX  hour. The rules of this contract are that the {$1.00} is added to next purchase. My next purchase was the following morning at XXXX XXXX in XXXX for {$2.00}. My {$1.00} was not in my account nor applied to this purchase. Thank you.

Company response to consumer: Closed with explanation