BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am writing to share my experience with Wells Fargo Bank concerning a XXXX XXXX Account and my wife 's first-time experience as an executor of a will. The legislature created the XXXX XXXX category to reduce the workload for probate courts. If an estate is under {$160000.00}, probate is not required, and the executor of the will can file a XXXX XXXX Affidavit to sell various financial instruments. 
My wife 's stepfather, XXXX XXXX, died. The will stated, " I give my entire estate to my son, XXXX XXXX XXXX. '' The following article in the will dealt with the executor. My wife was named as the executor, and this section stated that " The executor shall have the power to sell and lease any property of the estate, subject only to such confirmation of court as may be required by law. '' Given that the second item is true, then the intent is for the executor to handle the issues involved in closing the estate.

Three checks came in the mail addressed to the dead man. One was a refund from XXXX for {$290.00}. The second was a stock dividend for {$62.00}, and the third was {$2000.00} for a life insurance policy. My wife was told that all she had to do was fill out a XXXX XXXX XXXX, and she could deposit them in a new checking account. She made an appointment at the local Wells Fargo Branch and arrived with the will and the death certificate. The Estate Care Department would not accept the XXXX XXXX Affidavit because Mr. XXXX 's grandson was listed on the death certificate as the person who provided the information. Therefore, the money should go to him. Of course, this is ridiculous because the medical XXXX obtains the information about the deceased from whoever is available at the time. 
My wife wrote to the executive office of Wells Fargo, and the matter was referred to an official at the XXXX Care Department, and they asked for a copy of the will. The response she received was that since his son was the beneficiary, he needed to provide a notarized disclaimer. The son lives on the XXXX of XXXX in XXXX. Given COVID restrictions, it would be almost impossible ( and ridiculous ) for him to drive five hours to XXXX, XXXX, and make an appointment at the American Consulate so that my wife would be able to cash these three checks. Plus, the beneficiary cant override the executor, so basically, Wells Fargo created a new criterion not rooted in law.

Wells Fargo wouldn't budge. There were also three stock accounts, and my wife sent a copy of the will, the death certificate, and a XXXX XXXX XXXX to the companies. XXXX XXXX XXXX XXXX XXXX issued a check for {$4000.00}, XXXXXXXX XXXX XXXX issued a check for {$8200.00}, and finally, XXXX XXXX XXXX issued a check for {$1500.00}. All of these checks were in my wifes name.

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 2020-03-27
Company: EQUIFAX, INC.
State: AR
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:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
There is a widespread problem across the automotive industry of not staffing their customer service centers. They have attempted to use automation for customer service inquiries, but sometimes it is important to speak to an actual person. The core problem is that these businesses are having customers wait between 30 minutes to 2 hours on hold. to speak to a customer service agent. .This is egregious on their part, the wait time should be 15 minutes or less. Customers do not have time wait for 30 minutes to 2 hours, this appears to be a veiled tactic to discourage customer to dispute charges or to resolve loan/lease issues in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Navient Solutions, LLC.
State: WV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried numerous times to apply for a XXXX XXXX Discharge and kept getting the run around. I am XXXX XXXX XXXX and unable to work. They are in the process of taking out 15 % of my monthly XXXX check to pay them back. They are refusing to assist me. The claim I am not XXXX. I have tried to apply for a total and permanent discharge. They used vulgar language and scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have had XXXX XXXX stored in my account at Coinbase for several years. On XX/XX/2017, I submitted a " sell '' order on Coinbase for the full amount, asking Coinbase to transfer proceeds to my XXXX XXXX checking account that is linked. Coinbase confirmed the sale would generate {$170.00}, and that they would deposit that amount net their {$2.00} fee ( total {$170.00} ) into my checking account by XX/XX/2017. However, the money never arrived. I submitted an inquiry immediately and never heard back. I submitted another inquiry and heard back two weeks ago that they are investigating and would get back to me, but they have yet to do so. There are many complaints online that they have had issues with missing money transfers and no response to inquiries, and apparently only a CFPB complaint gets them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: TN
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 continuously contacted Experian about the incorrect reporting on my credit report. There is a Bankruptcy listed on just my Experian credit report and they keep saying they verified it from the source. When I contacted the source to find out if they give out information on consumers they sent me a letter saying they do not report bankruptcy or update information directly to credit bureaus. Experian is in violation of this 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 2020-04-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX  as well as the other two credit bureaus. I need help from another agency now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EOS Holdings, Inc.
State: PA
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:
After reviewing credit reports noticed an unfamiliar derogatory account from EOS CCA on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: NC
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:
As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX XXXX bank account anything else I don't have any knowledge of ... I also got a police report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was exposed in the XXXX data breach and fraudulent accounts and inquiries have been showing up on my credit report since. Block and remove the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX Called bank that their was a charged of XXXX on my account that i did not make from a store name XXXX in New York. The same day a box was delivered by XXXX  with merchandised from this store it had no invoice or paper work inside the box. I tried calling the store, but because the store only get emails it did not return any of my emails because i did not gave any information regarding the invoice. On XX/XX/XXXX I received a letter from chase that the charge was correct and that they close my complaint because a box was delivered to my home from the store. The next day XX/XX/XXXX we called Chase again regarding the claim being denied they said that we have to return the merchandised which cost me XXXX to sent back and they told us to call chase back and give them the tracking number so we did call them and gave them the information. On that same day I filed a complain with the XXXX  regarding my situation with the store two days later they reached out and said they would process my refund once they received the merchandise.They received the merchandise and tried to refund the money but since my card was closed they cant refund it. I have called chase and their no help they cant find the calls we made them when they said to send the merchandise back or they drop our calls or make us wait 30 minutes for some one to  answer.The XXXX  sent us a copy of the invoice on XX/XX/XXXX all the information was incorrect the phone number was from someone in florida and email was wrong so i dont get it when chase said that they wore able to prove that i was the one who purchased it.??? It has been a rough 2 months because XXXX plus XXXX for shipping and not working has made it hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a modification on XX/XX/XXXX that XXXX XXXX negotiated with XXXX XXXX XXXX on my behalf. The trial modification payments were $ XXXX. On XX/XX/XXXX, the loan was transferred to Bank of America and the payments increased due to an escrow shortage. The payments increased to {$2200.00}. I began to have trouble making the payments so I was given an " In House '' loan to catch up on the missed payments. The new monthly payment was {$2400.00}. On XX/XX/XXXX, after I was given the " In House '' loan, I was contacted by XXXX XXXX XXXX to let me know that the property had been overassessed not only for the the XXXX tax years but the XXXX - XXXX tax years as well. The estimated tax bill was {$4500.00} for the XXXX XXXX Tax year. I believe the payment increase due to this over assessment. Not only did Bank of America force me to pay a higher monthly payment, they also invalidated my first modification and increased the principal balance. I paid a total of {$1100.00} to XXXX XXXX  XXXX for their services and I was never reimbursed. The loan was originally a Countrywide loan with a loan Balance of {$320000.00} and an equity line of credit amount of {$80000.00}. In XXXX, it was transferred to BofA. The {$80000.00} equity line of credit was forgiven by Bof A on XX/XX/XXXX. However, in XXXX ( fours years later ), the principal balance increased to {$410000.00} after the second modification. I've contacted BofA at least three times about the increase in payments and they always cite the escrow shortages as the cause for the payment increase. I would like an audit of the loan to explain the many contradictions in the loan payments and the escrow shortages.

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 2020-04-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 a fraudulent check in the amount of {$850.00} was taken from my XXXX XXXX XXXX uncles account at TD Bank. His account number is XXXX. This person XXXX XXXX wrote himself a check and forged my uncles name. My uncle has filed a police report and went to the bank many times and still have not received the money back. He has been complaining since last year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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: Was not notified of investigation status or results

Complaint:
CREDIT BUREAU FAILED TO POSITIVELY VERIFY COLLECTION ACCOUNTS 100 % ACCURACY LISTED BELOW ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF

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 2020-06-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: IL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In forbearance due to economic hardship due to lack of unemployment. I was told that I would not have to pay nor would my loans reflect as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
There is a company called NewRez LLC dba as Shellpoint Mortgage servicing that is servicing my VA home loan. I revived a letter yesterday that states that I did not make my XX/XX/2020 house payment and they are charging me a {$31.00} late payment fee. The payment was made and cleared the bank on XXXX XXXX. I have tried calling there so called customer service and all I do is set on hold for long periods of time. The reason I am writing to you about this problem is that this is not the 1st time this has happened to me. About 8 months ago I had the same problem with this company. I called several times and talked different supposed service reps with no help. It was not until I filed a complaint with the XXXX  that I got someones attention to my problem and got it fixed. It tuned out that my payment was posted to the wrong account number. It seems to me that this is happening all over again. I am an elderly person and it is not easy for me to have to go to the bank, stand in line to get a copy of a canceled check to prove to this company that I in fact did make my payment and on time. I think this company should be investigated for there accounting practices. It makes me wonder how many others are having the same problem with this company?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation