BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied to refinance my home loan with XXXX Bank in XXXX. They outsource credit checking to Equifax. 

Equifax incorrectly entered my name on the credit report combining my name with my wife 's! I logged an initial request to have this rectified on the XXXX XXXX. Received an email from them on the XXXX XXXX asking for a 21 day extension. Called them on the XXXX XXXX and below is what transpired. 

Call Number 1 - Discuss contents of email with the first call centre representative. They don't know what the problem is and state they can only email the team responsible so have no further details. I ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes and then disconnect me. No call-back from anyone - they have my number why not call back? 

Call Number 2 - I call back, speak to another call centre representative, explain the situation again and ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes this time they don't disconnect me they put me through to a survey asking for my feedback. Survey - I complete survey providing lowest scores possible. 

Just to be clear this is the worst customer service experience I have ever encountered. If this is indicative of Equifax 's overall operations then they should immediately cease business as no stakeholders could have any confidence in the reliability of the services they provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX, a minority woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on workmans compensation right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the minority community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo.
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
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 2019-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an email alert from Experian credit bureau telling me that my score has dropped by twenty points - from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. Upon inquiry with experian I was told by two representatives that it was due to a late payment reported almost seven years ago. Another representative told me it was due to inactivity for the past three months on my two open credit cards. This of course is not true since these cards are used on a daily basis for everyday purchases. I pointed out to the representative that I have not had any adverse report from the other two agencies ; in fact I have very high scores of XXXX and XXXX with XXXX  and XXXX respectively. The representative went on to tell me that there was nothing that could be done about it. I asked to speak to a supervisor who also reiterated that I can not dispute a credit score. 

I find it arbitrary and unfair that a consumer can be treated in such a fashion. This is a company that wields a lot of power over consumers and has the ability to affect a consumers daily life negatively! I truly hope I can have some recourse.

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 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
The problem that I have is that I am being told that both APR for purchase and cash advance on my Capital One credit card but when I make payments it seem like my cash advance balance never goes down and payments always are applied to new charges. The cash advance happen a long time ago and it seems as if I need to make a payment way large than what my credit limit is an order to pay this off. This should not be this way as I have credit credit with other banks and they do not have a payment policy like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( XXXX ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contact you about the derogatory mark that is appear to my credit report, I tried to contact many time no one can answer the phone so they can give me the reason wry it appear to my credit report. Therefore, I contact CFPB so you guys can help me solve that issue. Here is the number that I contacted them XXXX there are unprofessional. and please I want this matter solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, XXXX % /annum, $ XXXX 2. XXXX XXXX took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Force me to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13.  No answer as of today XX/XX/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 2020-09-10
Company: Aspen National Financial, Inc.
State: NY
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:
I received a letter from Aspen National Collections and called them at XXXX XXXX on XX/XX/2020 at XXXX. I was told that I was I need to and was transferred to the representative for the account. Once I began to ask him question regarding the validity of the debt he started to raise his voice, and when I asked him why he was yelling he threatened to report the debt to the credit bureau without explaining the content of the debt. I called again and requested to speak to a manager, the person who answered the phone introduced himself as XXXX and informed me that he was a manager/supervisor. I asked him to send me an itemized bill detailing the debt, and told him that he should listen to the call and coach the previous representative as by law collection agency have to behave with business decorum he too started to tell me that I was angry to which I replied and asked him to not categorize how I was feeling. I also called XXXX XXXX XXXX resort at XXXX XXXX to inform them of the threatening behavior of the agency and informed that I will not conduct business with a company that threatened harm to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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:
I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure who is using my name I use to live in XXXX I now live back to 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 2020-11-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a new US Bank checking online account with a {$300.00} bonus offer for completing two direct deposits totaling {$4000.00} within 60 days of account opening. US Bank failed to give me access to the account for 35 days, preventing me from completing the promotion terms. 

Timeline : 1. During the online checking account sign up process ( on XX/XX/XXXX ) I was told to expect an activation letter by mail in 7-10 business days. 
2. After waiting ~3 weeks, I called customer service and was told that ( a ) the agent saw no record of an activation letter being sent, ( b ) my account information couldn't be provided over phone or email, and ( c ) my only option for gaining account access was to request a new debit card and wait for it to arrive by mail ( in 7-10 business days ). 
3. I finally received the debit card and pin code around XX/XX/XXXX ( 35 day after opening ) and immediately signed up for online banking as required to retrieve the routing and account number for direct deposit. 
4. My employer ( like many others ) pays on a bi-weekly basis. While I changed my direct deposit records on XX/XX/XXXX, it did not take effect until the next pay cycle on XX/XX/XXXX. I completely my second $ XXXX direct deposit on XX/XX/XXXX ( 65 days after account opening ). 

I contacted US Bank via email asking them to extend the 60 day promotion time period, given that I was unable to meet the requirements solely because of their error. Customer service refused to provide a resolution ( see attached ).

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 2021-01-23
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I filled out information on XXXX XXXX XXXX XXXX XXXX as I was interested in getting rates from different companies for a home refinance. 

One of the companies I was connected with was AmeriSave Mortgage Corporation. XXXX XXXX, Loan Originator NMLS ID # XXXX called me ( I actually was called by a XXXX, who confirmed I was interested in mortgage information, who then transferred me to XXXX XXXX to go over interest rates and options on a mortgage refinance. 

XXXX XXXX XXXX asked me what I thought were standard questions which would gather information related to a refinance. At no time did XXXX XXXX XXXX ask my permission to run my credit. At no time did XXXX XXXX XXXX indicate he was creating a loan application for me. After we had discussed different loan products and interest rates, I asked XXXX XXXX XXXX if he could send me the information on the loans we discussed. He said that I just needed to log into the website as all the information would be there. He directed me to Amerisave.com, instructed me over the phone to create a password. Once I did so, thinking it was merely to view the projections we discussed, I was prompted to accept the " Electronic Consent. ''  It was at this time I began to question XXXX XXXX XXXX because according to what I was reading, it appeared I had already applied for a loan. This was not the case at all. XXXX XXXX XXXX  assured me several times that I needed to " accept '' these terms just to view the projections. When I continued to question him and said that the terms gave me the impression that I had already applied for the loan, he became frustrated with me and said something along the lines of clearly, I didn't know how refinancing a loan worked and that " any time you talk to a loan officer you are applying for a loan. '' I told XXXX XXXX XXXX  that I did not feel comfortable proceeding and attempted to politely end the call. He tried to keep me on the line and push me to continue at which time I told him I felt like he was pushy and misleading and that I was done dealing with him. I thanked him for his time and ended the call. 

Now I have emails and an account which indeed confirm that a loan was applied for without my consent. I just do not want this to happen with any other consumers who may not be versed in the process of refinancing a mortgage loan. I would like to see that XXXX XXXX XXXX not engage in this behavior with any other customers. I can only imagine how many people he has fast talked his way through this with. I was advised the call was recorded, so AmeriSave should have a record of the conversation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home in XXXX and the new mortgage closed in the beginning of XX/XX/2020. In order to close my new loan, I had to deposit almost {$17000.00} into my escrow account to pay the costs. The money was to be returned to me once my new loan was funded. The money should have been sent to me in check form. Dovenmuehle Mortgage send the original check to the incorrect address. As a result, I had to wait a month before the company would issue a new check. On XX/XX/2020, I called Dovenmuehle Mortgage and the representative said that the new check was begin processed. I waited. I called again. I waited. I called again. Finally, on XX/XX/XXXX, the supervisor XXXX told me that the check would be two-day aired to me. On Thursday, XX/XX/2020, no check. I called again on XX/XX/2020 and spoke to XXXX. She said the funds were not available and she would track everything down and call me back. No call. Today, I spoke to XXXX, who said that there was no movement on my check. She said she would transfer my call to XXXX. The call was dropped. Dovenmuehle Mortgage has violated its protocol by not getting the money to me. When I asked for the money to be wired, no response. At this point, I have spent over 10 hours trying to get a resolution. Dovenmuehle Mortgage does not make its managers available to customers so there isn't any way for me contact a person with power. I need your help as I need my refunded ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: NY
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:
I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: NY
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:
I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was back fromXX/XX/XXXX. The original creditor is world acceptance cooperation now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XX/XX/XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Innovis
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: Personal information incorrect

Complaint:
Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Us bank started the process of closing my account back in XXXX to this day my account is still in the process of being closed and there is a hold on my account. They say it is because a dispute that I filed that still opened so on XX/XX/2019 I canceled the dispute I was told it would take three days to actually close I called back is still open this was a dispute for {$22.00} I contacted the merchant again on XX/XX/2019 they were able to issue me a refund call the bank back they still have not lifted the hold on my account and I keep asking why and everybody just transfers me to somebody else nobody has given me a direct answer on to why my account is not closed they are holding my funds I have XXXX in my account that I have no access to and the dispute was filed XX/XX/2019

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