BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Here is a time Line of the Wire that was sent and activity since. 
Parties involved include XXXX XXXX XXXX XXXX XXXX XXXX ( owned by XXXX XXXX ) and XXXX XXXX XXXX ( representing XXXX XXXX ) 1. On XX/XX/20 XXXX received Wiring instructions from XXXX XXXX ( Exhibit # 1 ) XXXX XXXX XXXX sends over Wire Instructions via email 2. On XX/XX/20 XXXX/XXXX wired {$150000.00} from XXXX XXXX ( Exhibit 2 ) XXXX XXXX XXXX is wired $ XXXX from XXXX XXXX. EX # 1 & EX # 2 are highlighted in green to show they match On XX/XX/20 XXXX XXXX confirms wire is Well received ( Exhibit 3 ) 4. On XX/XX/20 Randomly XXXX XXXX, XXXX XXXX XXXX, confirms they received the funds. ( Exhibit 4 ) 5. Between XX/XX/20 and current we have been communicating with the XXXX XXXX, our bank ( XXXX ) on a resolution to correct this matter. Well Fargo will not correct. XXXX states that they are not going to correct. $ XXXX sent to an account that does not belong to recipient. 

6. On XX/XX/20 XXXX XXXX Communicates to me via phone that they, nor Wells Fargo, should be liable in this instance and that we have the Wrong Wiring Information ( EX # 5 ) Wells Fargo is not communicating, nor are they returning the funds to our account. They are supporting this fraudulent activity.

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 2018-12-24
Company: EQUIFAX, INC.
State: TX
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 have sent multiple disputes and method of verification requests regarding accounts that are reporting on my credit report. I keep getting that the accounts have been verified with no substantiation. 

I have requested the names of who did the investigation, dates, how was it concluded that these are in fact my accounts. I also received the information after the 15 day cutoff for MOV requests. 


Equifax sent the info on XX/XX/2018. They received my certified letter on XX/XX/2018. 
The confirmation # on the report I just received is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
i have contacted all XXXX credit bureaus challenging the accurate and factual reporting of XXXX XXXX multiple times ... ... .each time the account has come back verified... how is this possible when there are so many inconsistencies in the reporting between the XXXX bureaus ... .. they should all be reporting the same thing if this is verifiable and they're not ... XXXXthey did not conduct a proper investigation ... ..all of the information is on the attached copy of my credit report with all of the inconsistencies in the reporting circled

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 2018-01-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA
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 dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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:
see FCRA laws : wrong info and see attachments for proof XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.

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 2020-12-21
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for Public Service Loan Forgiveness ( PSLF ) and was denied and then applied for the Expanded ( TEPSLF ) and was also denied. This was done in the fall of XX/XX/XXXX. I have well over 120 payments required and have actually been employed as a public prosecutor for almost 16 years. However they refuse to count the majority of my payments claiming they or not the correct type of payment. But they are now counting my payments even though I never changed my payment plan. I moved my loans back to the Dept of Education in XXXX/XXXX once I could to take part in PSLF. No one ever told me that there was a specific repayment plan needed to qualify even though I specifically asked. I also thought the TEPSLF was intended to correct this issue but was denied under that as well. I have been paying back my student loans for over 21 years and have been in public service almost 16 years. If anyone is deserving of this program it is me. Please look into this and help me. I have continued to make my payments every month even through the Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
l have wrote ( 3 times ) XXXX, Equifax, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX  ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow-up to complaint filed under XXXX. A representative ( XXXX ) called and left a number with her extension, XXXX, ext XXXX. This representative called on XX/XX/XXXX at XXXX. She stated that she was calling from Capital One 's executive offers regarding a concern I had. 

I have attempted to reach her at this number 5 times, some of which I left a voicemail. During my last attempt, today XX/XX/XXXX at approximately XXXX, once given the option to press 1 to dial an extension, there was no option to do so. 

It appears that the company is not genuinely interested in resolving this matter, rather pacify CFPB and me, the consumer, with a message from their " executive office '' with no intent to return a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
l have wrote ( 3 times ) XXXX, XXXX, and Experian about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX XXXX. I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.

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 2018-01-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been making monthly payments on my mortgage of XXXX since XX/XX/XXXX. Carrington Mortgage took over my loan in XX/XX/XXXX. I advised them in writing that I would be sending payments by automatic deductions from my XXXX   account. I sent a combined payment thru XXXX  for a total of {$1100.00} on XX/XX/XXXX and XX/XX/XXXX ( I entered the wrong amount for XX/XX/XXXX payment and send a letter stating why the second payment ). Payment thru XXXX of {$1100.00} was sent on XX/XX/XXXX ; the XXXX XXXX payment was made on XXXX due to pay schedule. However the XXXX payment on XXXX was sent back to my XXXX  account on XX/XX/XXXX. In the meantime I received a monthly mortgage statement from Carrington that {$7100.00} was due on XXXX. According to the delinquency record on back page of that ; only one payment on XX/XX/XXXX was received. Then I got an intent for foreclosure letter dated XXXX stating I needed {$23000.00} to cure the default. This makes no sense since I am trying to make payments. The next payment from my XXXX  account to Carrington is today, XX/XX/XXXX. All the XXXX   transitions are documented. It appears to me the Carrington is deliberately trying to take my home. I am concerned about this. I did not know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Card Services closed my account due to inactivity. My inactivity was due to the covid-19 virus pandemic that has been up-ending the economic wealth of the US. My card was paid off in XXXX when I received the stimulus check from the federal government. Since then I have been collecting Unemployment and trying to stay afloat by not using credit cards as frequent or at all. Discover decided, without notice ( as outlined in their user agreement ) to close my account that was only inactive for 8 - 9 months due to the pandemic. 

The fun part of this, is that their card was the longest line of credit that I had. With them closing the account due to 'inactivity ' ( which they never disclosed a timeline of how inactive it has to be before it is up for review ) it is now going to destroy my credit score since I have only had this card for almost 7 years. My payments were always on time and I had the card paid off. Now my score will drop significantly and cause more financial stress and burden because of the pandemic. 

I called Discover to try and reopen my account, and with further arguments boiling all I was told was " You can reapply for a new account '' - to which I replied " no, that will hurt my credit, just like you all closing my account. '' The simple act of closing an account, that was not late or past due, during a pandemic ONLY hurts the consumer. My financial situation is going to be worse off because of this, and with student loans interest rates that I have to pay off - Discover is out here doing the the WORST thing for you. They do not care about you as a consumer. 

I write this to hopefully help people realize that Discover is the worst credit card company and will only hurt your credit score more than you realize. God forbid you're in the middle of a pandemic and trying to be financially smart so that you can eat/go to the doctor. 

Whoever is reading this, please help me. Help bring an end to such an evil company that is out there destroying the lives of good people in the middle of really rough time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/, 2018, XXXX XXXX repossessed my car. I have called their redemption department as directed. After waiting on the line for 45 minutes it disconnected me. I called back to be told that the lady who told me to call the redemption department gave me the wrong time and they didnt open till XXXX XXXX Central. So i waited till XXXX XXXX Central time and called again. After waiting on the line for another 45 minutes, the operator told me they were closed and to call back between XXXX and XXXX XXXX Central time. It was already XXXX. I still do not know the correct time they are open. I have called back several times and after 45 minutes, it disconnects me. I keep calling the main line back and they insist they are not able to give me any info. I must contact the redemption department but I can not get ahold of them.

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 2018-12-24
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I have been attempting to work with Mr Cooper home loans to reinstate a property located INXXXX XXXX Georgia XXXX. We have been flat out lied too after sending in several thousands of dollars in payments and a wire transfer on XX/XX/2018. Now the company claims they need more money and fees to settle the account after telling us that the amount would cover the reinstatement. We have been lied too and mislead by this lender during this horrible process but have attempted to do the right thing in order to save our home. They give us the run around and we will call back, or we are checking with the attorneys office. 

I am at at impasse and we need help to protect us and others from a lender that does not have the best interest of anyone but their bottom line in mind. 

Thank You XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I attempted to dispute a credit card billing charge with the company on XX/XX/2021. The company investigated the claim and required me to attach a receipt or any sales documentation. The dispute was about the charges of a subscription-based vendor. The only receipt given to me was upon the start of the subscription. 

The subscription had a promotional offer new customers " credits ''. Originally, the charge should have been {$7.00}, but the vendor charged me {$47.00}. After contacting the vendor 's representative, I disputed the charge with the company. The amount in dispute is {$39.00}. 

The company replied that I needed " A copy of a sales receipt ( s ) or any documentation you may have that shows you were charged the incorrect amount. '' I have no such documentation because the vendor did not provide any such document at the time of service. I also explained my case to a company representative, who also tried to re-open my claim. The claim was again denied due to a demand of an incorrect amount receipt. 

The company requires a receipt showing the incorrect amount. However, the receipt given by the vendor does not include any credit from promotional offers. The vendor can essentially bait people with promotional offers and avoid consequences from the company. The company would not investigate further without a receipt of an " incorrect amount ''.

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 2019-08-09
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken to Franklin Collection SV at XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS . They filed a collection 's notice on my credit report for {$150.00} for a debt I do not owe. I disputed the amount directly with XXXX XXXX  and made it clear to Franklin that I have disputed the amount and that I did not owe the amount. This is the second time they have hurt my credit standing due to a false credit report being filed. I am in the process of buying a property so this false report has harmful impact on my ability to buy a property. XXXX XXXX  is in the wrong and Franklin Collections has systematically hurt my personal credit. I am also very concern given my identify has been stolen once that this agency has access to my social security number without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Cornerstone Holdings, Inc.
State: MT
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:
Two different medical institutions sent bills to XXXX XXXX XXXX as they did not bill to insurance, I paid these amounts directly to the individual healthcare entities, thus the two entries from XXXX should be removed from my reports, as this was never a collection issue it was the problem of the billing of the healthcare entity that did not bill insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TD BANK US HOLDING COMPANY
State: AL
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:
FILED DISPUTE WITH COMPANY TO VALIDATE THE INFORMATION REPORTING TO MY CREDIT BUREAUS. THE LETTER WAS RECEIVED. I HAVE THE RETURN RECEIPT AND A COPY OF THE LETTER THAT WAS SENT. I ALSO SPOKE WITH A REPRESENTATIVE AT THE OFFICE. I GAVE THIS REP ALL OF THE INFORMATION SHE REQUESTED TO PULL UP THE ACCOUNT AT THAT TIME. I WAS INFORMED THAT I WOULD RECEIVE A DECISION LETTER. HOWEVER, I RECEIVED A LETTER DATED XX/XX/XXXX STATING I DID NOT PROVIDE THEM WITH MY ACCOUNT NUMBER, NAME, ADDRESS, AND TELEPHONE NUMBER ON THE LETTER, WHICH HAS PREVENTED THEM FROM PROCEEDING WITH THEIR INVESTIGATION ULTIMATELY CONSIDERING IT CLOSED. THIS IS ABSOLUTELY FALSE. MY FULL NAME, ADDRESS, AND PARTIAL ACCOUNT NUMBER ( FROM MY CREDIT REPORT ) IS ON THE TOP OF THE LETTER I ORIGINALLY SENT TO THEM. DURING MY CALL WITH A REP, I AGAIN PROVIDED THEM THE INFORMATION THEY CLAIMED THEY DIDN'T HAVE. I FILED A COMPLAINT WITH THE BETTER BUSINESS BUREAU. STILL THIS COMPANY FAILED TO LIST THIS ACCOUNT AS 'DISPUTED ' ON ANY OF MY THREE CREDIT REPORTS AND HAVE THEREFORE VIOLATED FCRA SECION 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: SYNCHRONY FINANCIAL
State: AZ
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 have contacted Synchrony Bank ( Amazon Store Card ) department and informed them that I have since settled the account with their third party debt collector XXXX XXXX XXXX XXXX Synchrony refused to take the paid receipt attached to this complaint and has yet to remove/update the account accordingly.

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