BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo currently has an auction date assign to my home. My wife and I are currently in a Chapter XXXX bankruptcy. Wells Fargo refuses to respond or work with my attorney and wants to proceed with the auction date. On XX/XX/2018 I contacted Wells Fargo about doing a home modification and they informed me that I was eligible for home modification. They asked us to send in our last two pay stub, last year 's tax returns, and Wells Fargo 's assistant application downloaded from their website. On XX/XX/2018 my wife called Wells Fargo to ensure they received our paperwork. She was informed that they did receive our paperwork and just needed our XXXXs. My wife fax those over same day. I called Wells Fargo on XX/XX/2018 and I find out that they have canceled our home modification because all the paperwork is blurry and could not be read. I explained that they did inform my wife that they had received the paperwork on XX/XX/XXXX. They told me that they had received the paperwork but that person did not look at it. We have sent that paperwork five times and each time they say they can not read it. They have no email address for this process. The way I am faxing these documents is through XXXX fax so there is no fax machine involved. I have attached the same documents that I had sent him to this complaint and you can see the documents are very clear. I believe Wells Fargo is playing these tactics to keep my house with a auction date so they can proceed to sell my house. I am not upside down in the value of my home and can sell for a profit. I proceeded with a Chapter XXXX so that my wife and I could stay in the house. However Wells Fargo has done everything in their power to not make that possible. Please obtain the conversations that have been recorded and you will see the malicious behavior on their behalf.

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 2018-08-17
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On my previous home refinance, Wells Fargo home mortgage recorded documents on the sales incorrectly, putting in their document the wrong page and numbers on the Deed of Release, dated XX/XX/2011. 

Per our Title Agent, the data entered by Wells Fargo was : Book XXXX, Page XXXX The correct information is : Book XXXX, Page XXXX This error by Wells Fargo is now impacting my upcoming home sale closing date. This is a mistake I was entirely unaware of, and now Wells Fargo admits the error but says it will take 20 days to correct. This error by Wells Fargo with a lack of timely correction will have a financial impact on both me as seller and the prospective buyer of the house.

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 2017-11-09
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is trying to dispurya debt for XXXX XXXX and XXXX a hospital I have never visited. I have tried to dispute this error with all XXXX credit reporting agencies and they have yet to remove this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
May you please assist me. I have accounts that Im unaware of vouch, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day 5 children to feed. please remove this so I can buy our home. Please God Please.

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 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
a whole credit card open in my name that I never applied for I i need help to remove it from my report. Please help me. I never applied and its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. This company also does not list an account number on the credit report. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: SYNCHRONY FINANCIAL
State: NY
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:
I have a XXXX XXXX credit card through XXXX XXXX. My annual fee of {$95.00} posted to my XX/XX/2018 statement on XX/XX/18. I immediately requested to close the card and get an annual fee refund. I did not owe any balance, other than the {$95.00}, at the time. I was assured the account would be closed, I didn't have to pay anything more, and that the annual fee would be waived within two billing cycles. The XX/XX/2018 and now the XX/XX/2018 statements have cut and I still have not gotten the annual fee waived. Also, I was recently charged a {$25.00} late fee for not paying, at their direction, the minimum due on the XXXX statement. They also charged me {$2.00} in the minimum interest per the credit card agreement, even though I was told not to continue paying since the annual fee would be refunded. This did not happen for the XX/XX/2018 statement because I had automatic payments on, which paid the {$25.00} minimum. The {$2.00} interest charge and {$25.00} late fee were waived on XX/XX/18 at my request. However, the XX/XX/2018 statement just cut and now there is another {$2.00} interest charge posted. Also, my account, when logging in online, says I am delinquent and that I need to pay the minimum payment due, even though I was told by numerous customer service reps since XXXX in various chat sessions, that I did not need to pay anything. This has been " escalated '' two or three times since XXXX and there has never been a resolution.

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 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
First of all I want to say how devastating  this has been for me and the stress of simply trying to recover my money its been more than 5 months almost so I made a claim in which I sent in the police reports which is 2 of them Ive also included the detective number in my case Ive also included multiple pictures of my place of living being broken into and vandalized and stolen information like passwords and pins my social and Id, phones etc that were stolen from me and Ive included the police department number and case id and a message stating that the suspects have been arrested in my case therefore I dont see why I havent gotten credited and a bunch of Misinformtsion in regards to my claim. Stating that theres no post yet that it will be in couple of days n then saying that it was posted and its been withdrawn but then Ive never received a value alert Im still currently as of XXXX XXXX  stating that its still under review but when I talk to a rep they say the money has been posted n deposited its been a living nightmare Ive also applied for the emergency cash to see if o can receive something meanwhile case gets investigated and nothing nothing at all Ive received no money and this case has been going on since XXXX edd my only financial support as of the moment and havent been able to get any of my money since XXXX its insane I have pictures detective number police report to prove my case

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 2020-09-08
Company: ALLY FINANCIAL INC.
State: TX
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 trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2020 with a balance of {$40000.00}.

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 2018-02-22
Company: AC AutoPay LLC, Denver, CO Branch
State: CA
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:
On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC  Autopay XXXX XXXX XXXX., XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a HSBC Advance checking account on XX/XX/18 with a promotional offer of {$350.00} ( screenshot of details is attached ) after depositing {$10000.00} in new money within 30 days of account opening and maintaining that balance for 90 days. 

I received an email on XX/XX/18 ( PDF is attached ) saying my account application was pending and if they did not receive the required initial deposit they would be unable to open my account. 

I made the required initial deposit and received an email on XX/XX/18 ( PDF is attached ) saying my account application was approved. 

I made my deposit of {$10000.00} on XX/XX/18 ( screenshot is attached ) which is 30 days from the account opening date of XX/XX/18. 

I had not received the bonus so on XX/XX/18 I logged in to my HSBC account and started a chat session ( screenshot attached ) to inquire about the status of my promotional bonus offer. The HSBC chat representative mentioned they could see that I had met the requirement for the promotional bonus, but that it takes 6 to 8 weeks to receive the bonus after the requirements were met. 

I waited for that period of time and checked again through a chat session on the status of my bonus and was told that I had *not* met the terms of the promotion, which was contrary to what the chat representative told me on XX/XX/18. I mentioned my deposit was within 30 days of account opening but they told me that my account was opened on XX/XX/18, not XX/XX/18. The email I received on XX/XX/18 not only said " account application pending '' in the subject, but also stated " Please note your application will expire in 25 days and if we do not receive the required initial deposit we will be unable to open your account '' which led me to believe my account was waiting on my initial deposit to open. 
They told me they were going to submit an inquiry to their 'rewards team ' and would get back to me. 

I waited a few weeks, had not heard anything and started another chat session and was told an inquiry was actually *not* submitted but they would go ahead and do that after I requested it again. 

Instead of wasting more time and waiting even longer, I decided to submit this complaint for a hopeful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: AL
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 applied for an apartment rental and was denied because of information appearing on experian. I am being denied a place to live the dates are. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX .i believe my information may have been breached. There is no judgement posted on this account.

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 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I was a victim of fraud which was quite unfortunate. My information was stolen and I later found out that my card had been used to make purchases. There was a spending spree that tool place and doesn't match any of my spending habits or patterns and wouldn't do. Upon my noticing I immediately contacted Capital One fraud department and they informed me that wouldn't be responsible for any of the charges because of zero liability and I didn't have the card. There were several charges spanning from XXXX. I received a letter recently informing me that investigation was completed and no fraud found. How?!! That isn't possible. I contacted rep on letter and after several attempts finally got to talk to him and he was very rude, harsh and dismissive of me. A terrible experience. I informed that I didn't/do n't have the card so how could I be responsible for charges when I didn't make them and also informed him there is no evidence that would even suggest I did or no proof!! This is not within policy and I am not responsible for the charges. I didn't have the card, didn't authorize any one on my behalf to use and also contacted them as soon as I notice. The total charges amount came up to {$3900.00} and I would never run up that amount or spend that at one time. History shows that and looking at places listed its outrageous. Most of these locations aren't even suited for me. They also have an old address of mine listed where some one could have interjected and taken the mail. I haven't been there so I wouldn't know. I did not make those charges and was informing but they didn't care to listen at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The address on my credit report for XXXX XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information on my credit report.

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 2018-11-13
Company: Absolute Resolutions Corp.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/18 the debt collection office reached out to my new husband of three weeks. Informed him of the loan, the company who the loan was through, the amount due, the information they have on file for me ( address and phone numbers ). My husband is not on the loan had no information about this loan as this loan is mine from 3 years ago. They threw him under the knife about the loan and gave him payment options for my loan. I have never given the loan collectors his information at all not his name or anything. They found his number on theyre own and gave him all my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. Equifax is refusing to remove this information even with the documents that I have sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection on my credit by " Diversified Consultants '' for {$2400.00}, was just reporting as XXXX. This account has been sold and reporting to another agency. I would like for this to be deleted off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018 after verifying my credit report, I noticed that XXXX XXXX sold a debt of {$120.00} that I owed debt as a new debt to Waypoint Resource Group. Mind you, the debt was already two years old. So in XXXX, I contacted the debt collector and asked a routing question, if they settle on small balances as well. The young lady said they would accept {$87.00} as a full payment and solved the account if I paid the same day. 

I requested a letter and receipt stating so, I never received it. So today I checked my account only to find that they report the account as " Settled - less than full balance '' which is not the terms agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Re : CFPB % XXXX I did send that information almost 3 weeks ago. I still dont get my money Because of that I have to come back to USA Because of that I lost my business Almost 2000 dollars expenses because of delayed Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: SUNTRUST BANKS, INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im currently the conservator/guardian for a protected person the guardian/conservator on the accounts with the accounts with protected person died. SunTrust Bank closed all banks in XXXX XXXX and I was informed that I needed to send all documentation to the Legal Dept. in XXXX XXXX which I did overnight. Legal received all documentation a week ago and Ive yet to hear from them. The documentation that they received was the court order to release all funds and account information to me as the conservator, death certificate of the previous guardian/conservator only with social security numbers of both the protected person and previous guardian/conservator on the two accounts. The protected person is now in Minnesota and is need of the funds in her accounts and these funds are being withheld. Ive now been inform by a supervisor of SunTrust that I will have to go to a branch office to present the documentation in order for the accounts to be release to me. This shouldnt be this difficult, if I was told this before leaving West XXXX I could have gone to a branch office in XXXX. But now Im in XXXX with the protected person and have no means to access her monies.

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