BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2018 I had my wife apply for a refinance loan on our home with Wells Fargo. We were told that it would cost us XXXX for a appraisal fee. About a week later when we asked about who we had to use because they were suppose to let us know, they told us no worries they had done something called a quick appraisal. And it would only cost XXXX. So I asked what they did with my money for the appraisal. Their response was that they would just put it on the end for the fees. Which we had been told they would roll it over into the loan and we wouldn't have any. What bothered me the most is that they didn't seem to want to tell me about this because they had done it at the beginning. And I had to ask before I even knew what was going on. I think they need to let their customers know whats going on. And I was very upset. I cancelled the loan process, and they kept giving me the run around about giving me my money back. They finally sent the difference back from the quick appraisal.Which honestly I shouldn't have had to pay because I didn't ask for it, or wasn't even told anything about it. I think Wells fargo has a lot of issues with their employees, and how they handle their customers. I would have reported this earlier but didn't know where to report it. They knew I was XXXX, and had a hard time understanding, and that my wife had to help me. So I feel like I was taken advantage of due to this fact.

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 2019-03-20
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a debt collection in on my credit report in the amount of XXXX dollars. The collection agency is Tek-Collect Inc. This is on behalf of XXXX XXXX XXXX PA in XXXX TX. This is apparently for dental work performed in 2017. I have never had any dental work done by this dentist. No one has contacted me about this outstanding debt. No paperwork has been sent to my address. No one has contacted me by phone. I have no knowledge of this debt. I want to see the original invoice for this transaction but I get the run around from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Messerli & Kramer P.A.
State: MN
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:
The law firm of Messerli & Kramer has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XXXX. In XXXX, Messerli & Kramer law firm, acting on behalf of XXXX XXXX XXXX, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened in XXXX. This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help in XXXX, from the Minnesota Attorney Generals office, which resulted in Messerli & Kramer/ XXXX XXXX XXXX returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took. 

For a second time, in XXXX, the law firm of Messerli & Kramer captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward. 

Again, I sought assistance from the MN Attorney General office. While I worked on providing Messerli & Kramer with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me. 

I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the morning of XX/XX/20, I went to Citizens Bank  at XXXX XXXX XXXX, XXXX, RI XXXX to make my usual monthly payment for my Citizens Master Card. The payment was a cash payment. I handed the teller {$1700.00} to pay my balance of {$1700.00} which was for my XXXX payment. Around XX/XX/XXXX, I had called the Master Card Co. to inquire about collecting my Points ( I pay my monthly bill off in full each month ). They informed me that I could not collect my points because my bill was not paid. I have a excellent credit payment history and have never missed or been late on a payment. I told them I had mad my payment as I also do at the local branch. They said they would investigate my payment. After two weeks, they then told me they did not receive the payment and for me to follow-up with the bank directly. Please note during this time, this was the start of the pandemic. On my first attempt to get this resolved with the branch, I was told by an employee that there was a " glitch with the system '' and she would look into this. Several more weeks pass and I felt like I was getting the run around and something was not right. I was finally told there was nothing they could do because they had no proof of a payment made on that date and I had no receipt. ( I have all my other receipts for making my payments each month ). I then asked for them to view the video. At first they said they could do not request it so I contacted the Office of Chairman. After more time passed, I was told there was no proof of me being there or a cash payment in the amount above and the video did show a women. I kept on them and I requested several times to see this video coverage. Each time, I was given a different explanation of how I can not see the video, the video is only of the back of the customers head, no video at bank entrance only outside ATM. I then sent another letter to the Head of Consumer Banking and they did respond to me and would review. I was told they did all they could do but to see the video I would need to get a subpoena. ( I have been a loyal customer of this bank for over 50 years. I have always paid all my bills on time and in full. I feel this has been handled poorly and needs to be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CARMEL FINANCIAL CORPORATION, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; CARMEL FINANCIAL CORPORATION is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. CARMEL FINANCIAL CORPORATION is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : CARMEL FINANCIAL CORPORATION 03/08/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Mr. Cooper Group 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past few months, I have received countless calls from unknown and random numbers. When I answered the call, it is a computer voice saying that my social secruity number has a debt collection on it and I need to call a number. When you call the number, the person that answers asks for your name and social secruity number. Obviously, I thought it was fake and I didn't give them my person information. Over the weekend I received a XXXX alert saying that I had a debt collector after me. XXXX XXXX   provided me the name of the debt collector, Hunter Warfield. I called the company and talke to an extremly rude person that told me I was lying ( I told him I didn't have outstanding debt and I wasn't sure what this was all about ) and demanded my social secruity number. Again, I didn't give him it. I did give him my first and last name and the last XXXX of my SS. This gave him enough to tell me my old apartment complex, XXXX XXXX XXXX, filed for a debt collection because I apparently didn't pay to break my lease ( which I 100 % did pay on time ). The guy at Hunter Warfield told me to fax them proof of payment, which I just did. I have an email confirmation from XXXX XXXX on XX/XX/29 saying I payed the full amount and it also shows I have a Zero Balance. Now what? XXXX XXXX XXXX inaccurately reported debt information on my credit report. A debt collector has been harrasing me for months now, they have been disrupting my work life, and they really disrupted today 's work. I felt compelled to reach out to the CFPB because I don't have the money to get a lawyer and now I am worried that my credit has been negatively impacted. I also don't know if I this is settled now that I have shown the debt collection company that I payed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Nelnet, 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: Account status incorrect

Complaint:
I've talked to the Department of Education for many months trying to get this rectified. They are reporting a past due balance incorrectly. There is no balance and it continues to say " I was late '' account number ending XXXX & XXXX. They both say past due balance from XXXX and XXXX just reported it XXXX. I've also talked to Nelnet and they informed me they will get it fixed and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a legal order judgment taken against me without my knowledge or right to dispute Fargo did not notify me of the judgment which made it more difficult cost me lots of money

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 2019-04-08
Company: EQUIFAX, 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:
In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my Equifax credit report as it has been in there for 5 years in default. The last four of my social are XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I wrote a letter to Experian dated XX/XX/XXXX asking to reinvestigate an account. They responded on XX/XX/XXXX that the account was verified. I asked for a description of their procedures on XX/XX/XXXX and they responded on XX/XX/XXXX stating that the address provided has not been reported to my credit and I needed a copy of my DL and ID. Even though if you were to look at my credit report. My current and only address is on there and I sent them a copy of my DL, SS card and a current utility bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Shellpoint Partners, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX at XXXX XXXX  I refinanced a property I own in Rhode Island. Shellpoint Mortgage Serving, charged me a 5 % pre-payment penalty. 
Principle Balance on payoff date XXXX Prepayment Penalty XXXX I contacted Shellpoint on XX/XX/XXXX and told them the maximum prepayment penalty in Rhode Island is 2 % but only in the first year of the mortgage. My mortgage was originated on XX/XX/XXXX. 
However in reading Dodd-Frank which was implemented in XXXX of XXXX, it seems that prepayment penalties must meet ALL of three criteria. My mortgage did not meet the last criteria. 
The loan is not a higher-priced mortgage loan. ( A higher-priced mortgage loan is a mortgage with an annual percentage rate higher than a benchmark rate called the Average Prime Offer Rate, which is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers. ) It is my premise, that my mortgage does not qualify under Dodd-Frank for any prepayment penalty because my loan was at 6.125 % while the APOR for XXXX topped out at 3.8 %. Therefore : only two of the above 3 conditions were met. 
I have called Shellpoint Customer Service and requested someone from their legal team call me to discuss my situation 4 separate times. I have put my request in writing via the Shellpoint Customer service online application. No one has returned my calls. At one point I asked the customer service representative when they had called me. I was told I was called at XXXX XXXX. However I was on my cell phone waiting for customer service to answer my call at that time. My cell phone would record any missed calls, and would make me aware of a second incoming call if I were on a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was contacted by Discover Bank in XX/XX/2019 and told to reach out to them regarding my checking account. When I contacted them I was told that my account was being closed and that they needed an indemnity agreement in order to receive any funds that were in the account. I reached out to all of my banks at that time and asked for this letter and was met with confusion on their part as to why this was necessary for Discover to release my funds to me. I reached back out to Discover in XXXX and was told that I could wait 90 days and would receive a check from them. I waited 90 days from that time and did not receive any check. I reached back out to Discover in XXXX and was told the same thing yet again- that I needed an indemnity letter from another bank and when I told the supervisor I was on the phone with that I was told that I would receive a check in 90 days I was told that I had been given misinformation from the person I had spoken to. I have been unable to get the indemnity letter from any of my banks and Discover has been holding my money for 5 months at this point. I'm reaching out to the CFPB in an effort to get any help I can with getting my money back from Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts arent mine. I have no knowledge of them. I was XXXX when accounts were open. I disputed these accounts on my credit reports. Please remove from my report ASAP. Im trying to get on my feet and when I apply for credit these accounts are stopping me. Im trying to take care of my family. Please remove. 
Account numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2017-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
HI, I was trying to make a payment with CapitolOne credit card for {$110.00} dollars on XXXX/XXXX/XXXX and the company processed a payment for {$110.00} and {$100.00}. I never authorized a payment to be processed for {$100.00}. I asked to have an automatic payment started next month but the agent started it that day. I tried to speak to them the next day when I seen it post on my account. The issue was not resolved at that time and it has not been resolved yet and the money was taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE 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:
I submitted two disputes to Transunion for the following accounts on my credit report : XXXX XXXX on XXXX/XXXX/XXXX asking for verification of the accuracy of all data. I was never provided evidence of accuracy. 

XXXX XXXX XXXX XXXX asking for verification of the accuracy of all data. I was never provided evidence of accuracy. I believe this debt may belong to someone by the same 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