BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I filed a claim to Wellsfargo for fraud because I paid for a service and did not receive the service. 

They denied the claim. 

I paid for the service on three different accounts and I have proof of the interactions and the service I did not receive. 
Please help me dispute this with WellsFargo and 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 2015-10-30
Company: SCOTTRADE BANK
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I applied to the Scottrade Brokerage by phone from XXXX Wa. Someone named XXXX helped, but the XXXX person was so rude, I never funded my account. 

On XX/XX/XXXX I received a notice by email that the company was hacked. They gave a number for XXXX ( security ) to provide security, but now on hold for over an hour, no one picks up. Sloppy service here as well. 

Although I spoke with Scottrade staff ( National level ) and was told, that even as the email mentioned Social security numbers were accessed I was told by phone mostly they thought the " contact '' information was used? I asked if they had deleted the account since it was not funded and they had. But 2 years later clients are now being informed. 

XXXX

Company response to consumer: Closed
Consumer complaint received 2020-07-08
Company: AMERICAN ADVISORS GROUP
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
We are senior citizens on a fixed income and recently experienced a pipe burst in our home. We made an insurance claim and was awarded {$10000.00} to address the cost of repairing the damage. As is customary the check was endorsed to the mortgage company as well as myself. when we contacted the mortgage company to be advised on the process they required us to endorse the check fill out additional paperwork and send the check. After waiting over 2 weeks, with no response they advised us that they are holding our check in escrow and will send out a list of requirements that we have to follow win order for them to release our funds, which includes us paying for the expenses upfront before they will release 50 % of the funds in addition, they advised that they will not release the remainder until the funds until they inspect the work. 

They are advising that we have to provide proof of license, W2, Contracts, etc ... all items that ARE NOT required by the Insurance company or the State of South Carolina for flooring repair or wall repair. We are senior citizens who can not afford to pay for the work up front. We are also advised by our insurance company that this is excessive for an insurance check so small.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I would like to file a complaint against Credit Acceptance. Their collection practices are unfair, and feel like bullying. I am 3 days late ( due to hospital stay and the way payday fell ). It is XXXX XXXX. and they have already called me 7 times. I realize I am high risk or I would not have had to use this company, but I do not feel they should call more than once or maximum twice a day. The reps are very invasive, wanting to know how much your check was and why it was short. Please advise what I can do. I am to the point of wanting to find a lawyer if they don't stop.

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 2018-09-29
Company: Navient Solutions, LLC.
State: MN
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:
I set up my student loan payments months ago with Navient via monthly auto pay through my checking account. The first payment of XXXX was to be withdrawn from my account on XX/XX/28. I received a notice shortly after stating that my payment was rejected due to " no account ''. I called the company to find out why and they stated that they had submitted my payments with my incorrect last name, my maiden name. They also sent me a notice stating the same in writing. We resubmitted the payments and now I just received another notice that the payments rejected account due to " no account ''. I tried to verify my checking account information with the company since I am unable to see it on their website, it is a " masked '' account. The Navient rep on the phone also said that could not see the account information either and that if something is wrong with the account there is a form that I need to fill out. I find this very inconvenient and she never emailed me the form as she said she would. The company keeps sending me past due messages now and this appears to be an error on their end. I am requesting that the company fix my payments immediately and that any interest/late fees are waived due to this error. I would also like someone to contact me immediately to verify my account number since I can not get this resolved or verified otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX to give a deposit for services that were never rendered. Reach out to bank and they stated because it was money transfer and not my debit card, its not protected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX and XXXX continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/2023.

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 2020-12-16
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax,XX/XX/XXXX and XX/XX/XXXXCRAS. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX andXX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: NC
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 placed a dispute with all 3 bureaus, XXXX was in compliance and removed the account, however its been over 30 days and I have not been contacted by Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My balance is XXXX in XXXX they say that I enrolled in a debt management program. Which I did not. I am trying to get closure on this account. They won't give me a settlement amount and then they are making my payments late and it's not fair. It is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Navient XXXX XXXX '' is what showed up on my caller ID. The Representative 's name is XXXX, he gave an employee ID # of XXXX ( or something similar ). 

He was asking for a " XXXX '' who he believes I know and was attempting to get " XXXX 's '' contact info -- he's tried many times to get hold of her. 

He called from XXXX and left a voicemail but asked for a return call to XXXX. I called back and told him I have no relationship with " XXXX '' and that I've asked in the past to have my number removed from " XXXX 's '' account. I have filed a complaint with the FTC and he said, " good luck, they'll keep calling. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: American Mortgage Service Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, My husband and I are sellers of a property XXXX XXXX XXXX, XXXX, KY. The buyer of my property was XXXX XXXX. She was going through American Mortgage Services Co for a loan. The loan officer working on the loan was XXXX XXXX. On around XX/XX/XXXX ish we entered into a accepted offer contract and agreed that the home would be sold within the 60 day timeframe that was given. It has been over 60 days since the we have accepted the offer. XXXX XXXX continues to avoid calls, and delay this lending process. Not only do I believe she is discriminating against this young woman because she is XXXX, but also she is XXXX, she is single and has a ton of kids and receives child support. If the loan office could not process the loan because of income or debt issues Ms. XXXX should deny the loan so we can put the house on the market. But instead she is dragging out the process and not returning our realtors calls. It is costing us money because we do not live in the house and now are paying two mortgages and utilities. Just last week ( XX/XX/XXXX ) she said to give her 3 business days to have an answer on if the appraisal will be ordered. It is XX/XX/XXXX, and she is not returning my realtor 's calls. This is not outside of fair lending regulations and I would like this process to be reviewed for banking compliance laws. 

My name is XXXX XXXX. My husband 's name is XXXX XXXX XXXX / XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank intentionally is delaying my deposits in collusion with law enforcement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Systematic National Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX I mailed a letter Systematic National Collection ( SNC ) in regards to a {$390.00} collection that they posted on my credit report. My correspondence was to try to settle the aforementioned collection. I did not receive a response via mail, but they were still sending me a bill threatening to report the debt to all collection agencies if I did not pay. A few months later, I received a call from a SNC representative named " XXXX '' ( no last name was given ). During our conversation, he stated that they had received my letter but could not accept the amount I had offered to close the case. I explained my financial situation and how difficult it would be to pay. He stated that the best they could do was to waive any interest fees but I would still have to pay the full {$390.00} in order for that to be removed from my credit. With that in mind, I sent SNC a payment of {$390.00} ( as it is the amount shown on my credit report ) on XX/XX/XXXX. On XX/XX/XXXX, I called SNC to see if they received the payment and check on the process of removing the collection from my credit. I spoke with " XXXX '' who admitted that they had received the payment but went on to say that it was n't the full amount and that I also owed interest. He claimed that the amount on my credit report XXXX {$390.00} XXXX and what I paid XXXX {$390.00} XXXX were different and on top of that I still owed interest. He would n't let me ask questions to help me understand and threatened to hang up the call ( which he ultimately did ) because " I talked over him ''. I called back a minute later and spoke to a different representative and tried to explain the situation to no avail. That representative stated that there were no records of " XXXX '' offering to waive the interest fees and remove the collection from my credit if I paid the full {$390.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to COIVID 19 and goverment order of lock down, my place of work has been closed, causing financial hardships. Fast forwards, on XX/XX/XXXX, made a payment of {$1500.00}, spoke with the rep in regards to 2 months extension with XXXX XXXX monthly depreciation fee, which I agreed to. Now they are telling me they do not have a record of and repossessed my car while I was out with my XXXX children. Took the car seat, wallet and phone in the car. Been calling everyday since to find out how to get my car back and rep from redemption departement on XX/XX/XXXX @ XXXX advised that I will be able to pay the past due balances, bring the loan to current and pick up the car but after their system fully updates in 24-48 hourse, which is my intention. I was told to call back on Thursday XX/XX/XXXX for the update. Called and found out they transferred my car to auction house after hours last night, one day after repossession. Have not recevied any notices or phone calls regarding late payments, possible repossession etc. I tried calling many times but they are now saying something completely different than what I was told two days ago. For something they did not do, they insist they did, and something they did, they are saying there's no record of them doing it. Can not speak with the supervisor like I was advised to from redemption department. Keeps transferring to different department and can't get anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: WA
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:
CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BARCLAYS BANK DELAWARE
State: WA
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:
On XX/XX/19, I receive a voice mail from Juniper World Mastercard XXXX. The message stated that there was a review of my account and they placed a credit on my account due to an error they discovered in said review. They told me to call XXXX if I had any questions. 

I looked at my account and it posted a credit of - {$5200.00} on XX/XX/19 called " Finance Charge Credit ''. I called XXXX on XX/XX/19 to ask questions about this and the only things they could/would tell me is that the credit was due to an APR finance charge error on my account that happened been going on for " years ''. They wouldn't tell me how long it was going on. 

This is a huge credit, which is nice, but it seems like they are trying to do this under the radar because I received no email or written letter explaining any of this and I don't know if this credit is accurate at this point.

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 2018-09-29
Company: AES/PHEAA
State: TN
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:
Sir/Ma'am I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I am a XXXX XXXX service member in the XXXX since XX/XX/XXXX. My consolidated student loan was initially handled by XXXX. I was switched over to XXXX XXXX in XXXX. 

Since being switched over to XXXX  XXXX I have submitted proof of XXXX XXXX service multiple times and have submitted verification of my employment status to receive the most up to date qualifying number of payments towards my student loans. I noticed a discrepancy in the number of payments credited by XXXX  XXXX XXXX in XXXX towards the Public Service Loan Forgiveness program. All the payments I made to XXXX between XXXX and XXXX were never recorded as qualifying payments ( please find attached ). I have brought this to the attention of XXXX  XXXX   and requested a review of my payment history in XX/XX/XXXX. 

Since submitting the review request in XX/XX/XXXX I have tried to follow-up multiple times but have not received any feedback when the payments will be incorporated and credited to my account. I was initially told by the loan officer that the review takes 90 business days. However, after my last conversation in XXXX that time line has been disregarded and no situational awareness appears to be present as to the status of the review. 

XXXX XXXX has had a history of not calculating or making errors in managing the payments made towards the public service loan forgiveness program. Therefore, I am trying to be proactive and have the service provider fix any discrepancies as close to the source of error as possible. Thank you for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-15
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received an alert from credit reporting agency apparently this company by the name of Jefferson Capital System reported information to my credit report without notifying me to give me a chance to dispute this debt, that is a violation of my rights as a consumer you just can't report something on a credit report without first notifying the consumer and validating this said debt. I want this removed from all credit reports ASAP.

Company response to consumer: Closed with explanation