BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two issues with loan servicing for # XXXX  and formerly, # XXXX.

For the history of the loan, XXXX has had an escrow account in my name. 
The first issue occurred approximately 5 years ago ( XX/XX/XXXX ), Wells Fargo was taking money for escrow and did not pay my taxes or my insurance on time. I found out I owed the State of Texas and county in late fees. I paid those late fees because I really did not understand what was going on and the late fee were acquiring more late fees on top of the late fees ( for over three years, from XX/XX/XXXX to XX/XX/XXXX

).
Again this month after several hours of calls, I found out that this loan was " newly acquired, effective XX/XX/XXXX and no escrow monies are taken out. '' My bank statement reflects money being taken out each month. See attached. What is happening to my escrow monies? 

Second, equally major issue is that the XX/XX/XXXX XXXX XXXX, Form 1098, reflects line # 2,  Outstanding mortgage principle effective on XX/XX/XXXX as {$34000.00}. When I was inquiring with the XXXX agents about the issues with escrow not reflecting, they stated that I have a principle balance of {$49000.00}, effective XX/XX/XXXX. How can I owe more than $ 10k in one year to the bank, when I am making payments to the loan each month? Each year the 1098 form reflects the mortgage going down not up. 

Each time the XXXX information technology systems change, the customer ends up paying extra money or funds get mis-allocated. Also, the system is not accurately transferring my escrow money. 

Third issue is that the second loan, {$41000.00}, a home equity loan, formerly # XXXX, # XXXX, this loan was supposed to be against XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. This house was short sold along with this loan in XX/XX/XXXX. Why did this loan not go away along with the short sale in XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello today XX/XX/XXXX, Im currently abroad. I tried to transfer from my company bank account A to another company owned by me. The bank blocked the transfer and stated that I need to go personally to a branch to review the transfer. Im currently abroad, I am on late payments I have my registered phone number, debit, info etc and they are not willing to help me. I will need to take a plane, travel the whole world and no help yet.

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 2020-12-03
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX I filed a complaint against Bank of The West.I also told them I was going to. The complaint number XXXX. As soon I did The Branch manager XXXX XXXX closed all my accounts not just the one in dispute. I had both accounts at this location for five plus years. So to punish me for standing up for my rights and forcing the bank to make the release of funds thru 4 verifications the Banker decided to punish me and closed both business accounts after banking with them for five plus years.

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 2023-08-29
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Us auto sale went out of business and a collection agency has the loan and I did not authorize anything and the loan is not the right amount and I paying for Gap insurance and dont have it and a warranty that I dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I contacted Capital One Bank on XX/XX/23 because I had just gotten a direct deposit and needed the money. They let me take out {$1000.00} but refused to give me all my money. Because they were unable to verify a check that had been paid by my husbands bank. They also said it can take months to process this request. I just want my money and to never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: AMERICAN ADVISORS GROUP
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mom, XXXX XXXX, passed on XX/XX/XXXX. She had reverse mortgage with AAGXXXX. I notified XXXX to inquire what next step was. I emailed them and received confirmation of email on XX/XX/XXXX requesting letter of intent to sell along with real estate listing and asking price. I notified them on XX/XX/XXXX that an offer was accepted and the house was in contract.On XX/XX/XXXX I received a letter from XXXX stating that the property was in jepardy of going to foreclosure. I called XXXX along with lawyer after receiving letter to inform XXXX once again that house was in contract. Since then I had been in contact with XXXX up until contract was signed and copy emailed to them in the beginning of XXXX, XXXX. Date was set for late XXXX or early XXXX for closing. On XX/XX/XXXX XXXX had lawyers file for foreclosure on the property. I received several packets of foreclosure paperwork starting on XX/XX/XXXX. The property closed on XX/XX/XXXX and XXXX was sent payoff check electronically. Complaint is that I was charged {$4200.00} in unecessary legal fees knowing that property was in contract. we were also charged 7 days additional interest after waiting 7 days for payoff figure from XXXX, {$130.00}. There was also a charge for {$170.00} for mortgage insurance from XXXX! Loan # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. How can XXXX get away with chrging legal fees on a home that was in contract and they were kept informed by email as requested! Sincerely, XXXX XXXX ( XXXX ), XXXX

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 2023-08-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX account closed with a total of {$4300.00} XXXX - XX/XX/29 I have called for the return of my money and continually get the runaround As of XX/XX/29 money has not been returned Company has not given a time or actions needed for the return if ny money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TD BANK US HOLDING COMPANY
State: IL
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:
On XX/XX/23, I received a response from TD/Target Red Card. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2.

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA.

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609.

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party.

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am tired of going back and forth with XXXX, XXXX, and TransUnion for the same inaccurate information on my credit report for the last 3 years!!!!! 
Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over 17 months for the same accounts below! I ask that you delete these accounts immediately and I want to get compensated for each violation as stated in 15 USC 1681N!!! These are violations and effecting my everyday life all XXXX  accounts are inaccurate as they have date of last activity different with each credit reporting agency as well as other inaccuracies as they are reporting inaccurate dates and amounts for all 3 credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all 3 bureaus. I am completely exhausted of the back and forth and am actively seeking litigation!!!

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 2019-07-19
Company: CITIBANK, N.A.
State: NC
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:
Dear CFBP I am filing a complaint against Citi Cards for failing to remove an unauthorized inquiry on my XXXX credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. 


Thanks for you help in this matter, 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 explanation
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Requested credit line increase from Capital One Bank on XXXX 

It was denied. The reason provided in the letter : " Based on your credit lines with Capital One, your credit score isn't high enough for an increase. See the back of this letter for more details. '' Credit score shown : " XXXX Date : XXXX : XXXX XXXX XXXX XXXX The information is out-of-date and/or inaccurate and therefore, Capital One lacked sufficient basis to deny my request. 

My XXXX XXXX score is XXXX, based on a credit report from XXXX XXXX pulled XX/XX/2023. 

My XXXX XXXX score is XXXX, based on a credit report provided by XXXX XXXX XXXX XXXX ), who recently approved an increase in my credit line due to my higher credit score.

Clearly my credit score is high enough but for some reason, Capital One cherry picked the lowest score. It is unusual in light of the credit line increases granted by XXXX XXXX XXXX XXXX XXXX  ) Capital One should take the opportunity to review my request for a credit line increase based on current, not dated information. But when I called, I was not referred to any person who could give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: CO
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:
We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

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 2022-08-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 Wells Fargo as unable to open my checking but couldn't provide me with any reason why they couldn't open my checking account.15 usc 1602 ( g ) The term creditor refers only to a person. 15 usc 1602 ( f ) tells me credit is my right. 15 usc 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 usc 1602 ( p ) did not unauthorized & didnt receive no benefits from this. 15 usc 1691 ( a ) ( 3 ) Makes it clear that I can not be discriminated against for exercising my rights.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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/2022 I submitted a letter to the three major credit bureaus ( XXXX, XXXX, and TransUnion ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.

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 2017-09-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.

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 2022-09-02
Company: SYNCHRONY FINANCIAL
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:
There are soft and hard inquires pull from accounts I never open. The only account that was open in my name was XXXX XXXX  which was XXXX XXXX. The dates of the the open accounts that not me was XXXX XXXX, XXXX, XX/XX/XXXX, XXXX  XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The people who is performing fraud on my account has made my credit score low and I want to take action now. I want to report all these companies as fraud because it is not me. Below I attach the names of the company with dates and descriptions.

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 2022-09-02
Company: EQUIFAX, 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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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