BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, we switched insurance carriers to XXXX for our homeowner 's policy., making sure to buy the same coverage that we previously had with XXXX . In XX/XX/XXXX, we received a letter from Wells Fargo stating that we did not have coverage for wind damage. Shocked, we called XXXX and were assured we did indeed have coverage. We then called Wells Fargo, staying on the line over an hour, and were told that the issue was settled. In XX/XX/XXXX, we received another letter -- same issue. We immediately called and again stayed on the line for almost two hours, this time while the Wells Fargo rep called XXXX. When she finally returned, she assured us that this time the problem had been dealt with. The next letter we received from Wells Fargo informed us that since we had not purchased wind coverage, they were buying a policy for us -- for {$1300.00}, {$500.00} more than the policy we bought from XXXX. Once again, we called, were on the line over two hours, and found out that Wells Fargo needed a declaration page from XXXX. It is a mystery to us why that fact had not been revealed previously. Meanwhile, Wells Fargo went ahead and took {$1300.00} out of our escrow account for the policy we did not need. The failure of Wells Fargo to correct an error they made, one that they assured us had been corrected three times, is unacceptable. We are older people with health issues, and this has caused us a great deal of stress and worry. We read over complaints on your web site and found others have had the same problem with Wells Fargo, so we can't help but wonder if this is a new scam cooked up to defraud consumers, similar to the credit card scam in recent years. We have advanced college degrees and were able to navigate the extremely and unnecessarily complex process to have this problem fixed. Many consumers would not have resources to do so. We would like assurance that, going forward, Wells Fargo will correct their errors quickly and with less time and effort required by their customers.

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 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On about XXXX XXXX, 2019 I, Mr. XXXX XXXX XXXXcaught an ad with Cabela '' s out door products in applying for a credit card with Capittal One bank. With in seconds I, XXXX XXXX was rejected.At this time I bank with Capital One savings account.It 's not fair that a bank hold your savings, but won't help establish a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: ID
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EQUIFAX, 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:
I have asked that Equifax remove an incorrect collection from my credit report 3 times with no avail. I do not have a collection with XXXX. It is listed as XXXX XXXX, account XXXX amount XXXX on XX/XX/2016. I do not believe that they have even looked into this with progressive. My disputes are being ignored. This should not be on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: CA
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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Equifax is offering the credit monitoring due to their negligence. I went to the site to register and I am uncomfortable re-submitting very delicate information that they already have. I went through their first step of checking whether my information has bee compromised - and it has been, in addition to my XXXX  adult children and my husband 's info. 

Should n't they just be offering this monitoring without citizens having to re-submit the information they have? I am not comfortable putting all that information into their " fix '' website. 

This has effected half the country. They need to be arrested and those that are left need to step up and fix this ASAP. 

Please review this. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was served by Knight Adjustment Bureau in XXXX. I called the day after they served me and they transferred me to my collector. I left a message. I called again the following Monday. And left a message. I called for another three days and did not get an o talk to my collector, XXXX. She did not call me back either. And now my wages are garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was in deferment since I was attending classes as a XXXX XXXX XXXX untill XX/XX/XXXX when the deferment period of the loan ran out with AES. Since I was still attending classes I did not receive any messages about this since I had no idea to log into the account. They finally reached me in mid XX/XX/XXXX and told me the situation and that they would mail and email me the form to fill out. Since my printer was broken I waited for the mailed copy but it never arrived. I printed it out and mailed it mid XX/XX/XXXX and they received it XX/XX/XXXX. XX/XX/XXXX they defaulted the loan to XXXX  XXXX and informed me I needed to speak to them. I spoke to XXXX and they kept saying I needed to speak to AES about the loan until someone at XXXX said they will speak to their manager who said they would contact AES. I never heard back from XXXX or received a voicemail from a number identifying them as XXXX. Starting in late XXXX early XX/XX/XXXX started receiving calls from debt collectors on the loans since it went to two different companies, one loan for XXXX and the other one for XXXX. Called AES and they say their is nothing they can do since it was a private loan and that the form I filled out from the message they sent was the wrong one. Called XXXX as well and they won't do anything as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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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 2018-03-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase - Unable to access funds I opened account Coinbase and thier exchange XXXX  on XX/XX/18 and deposited ~XXXX usd and purchased virtual currency. 

On XX/XX/18 I received a text from Coinbase that my auth has been changed from XXXX XXXX to XXXX XXXX and to reply if I did not initiate the change. I replied and received an email questionairre. 

Today is XX/XX/18 and my account has been locked for 3 weeks. Coinbase will not return my funds or unlock the account. They continue to say they are looking into the matter.

I have contacted coinbase a number of times and they will not resolve or even give an ETA. 

Careful using this service. As soon as my funds are back I will never use again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Trellis Company, formerly known as Texas Guaranteed, contacted my employer on XX/XX/XXXX with a garnish order for unpaid student loans. This issue is the error of the Trellis Company. For every semester a student takes a loan, the company has it in their system as a separate account. I send one check a month and the company splits the payment between five accounts. 11 months ago, they started splitting it between four accounts and left one unpaid without notifying me. My credit is ruined and they are going to garnish my wages for 15 % of my income. When the error was pointed out to them, they sent me an email on XX/XX/XXXX acknowledging their mistake but said it would take 30 to 90 days to process the paperwork in order to stop the garnish. This is unacceptable. No one with the company will give me a last name or employee ID number. 

Address of Trellis : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number of Trellis : XXXX Email of Trellis : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender 's conducted a corporate assignment. Reduced my payment from XXXX to XXXX then initiated foreclosure against me for the shortage it created. My payment was unapplied and my home is scheduled for sale on XX/XX/2023. 

Why did my mortgage payment change? May I receive a copy of the new modification agreement and pay schedule?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in to my Chase Bank account on XX/XX/2020. That check cleared the makers bank on XX/XX/2020. My receipt for the transaction said i would be funded on XXXX XXXX. I called Chase bank inquiring about the funding, yesterday. The y said it would not be funded until XXXX XXXX. I then told them they needed to fund this deposit and they left me on hold for an hour. I am sure Chase has the funds. This appears to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019, I paid off my Chase credit card in full and early for the third time in the four months I've had the card. When I paid the card off, the CS rep on the phone gave me a temporary credit increase so that I could use my card while the funds cleared. I paid {$3000.00}. I went to use my card on XX/XX/2019, and it was declined even though my online app said I had over {$2000.00} credit available. The purchase that was declined was a {$21.00} charge. I thought it might be the place where I was trying to use it, so I tried again with a charge a little over $ XXXX..again declined. I called XX/XX/2019, and the automated system said my card was declined due to insufficient funds, so I talked to another rep. She said Chase was holding my money, and I told her my XXXX XXXX XXXX account was drawn for the {$3000.00} on XX/XX/2019 and that the last rep I spoke with had given me a temporary increase so that this wouldn't happen. She said that was true, but the temporary time period ended before they released the funds. To me, this is theft, since they are drawing interest on my money that I can no longer access nor use what I paid for ... credit on my Chase credit card. I also missed out on airline points I could have accumulated. This is the second time this has happened to me.I expect Chase to be treated as any criminal who steals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: CAINE & WEINER COMPANY, INC.
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
There are many mistakes appear in my report without my understanding.

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 2019-02-19
Company: Experian Information Solutions 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:
On XX/XX/XXXX I disputed enormous accounts on my credit file, on XX/XX/XXXX I  received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.

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 2018-07-16
Company: Experian Information Solutions Inc.
State: IL
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 been disputing with Experian since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few loan type is wrong, high balance wrong or not reporting, terms wrong, account balance wrong, original payment wrong or not reporting. 
Also XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few open date wrong, original creditor is wrong, no high balance, original payment wrong, terms wrong, no contact number so how did your bureau verify anything theres more please see attached file. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates ( PRA ) has reported a debt allegedly owed to them for several years to credit bureaus. They have also attempted to collect this debt by means of phone calls and letters. 

PRA states on their letters that account information and resolution can be found and accomplished on their website, XXXX. Upon logging in to the website, I discovered that there are no accounts listed as open. A message appears stating " This account has been settled in full, '' with no other details. There is a navigation option at the top of the page that says " Account ( s ), '' indicating that any open accounts should show up when that link is clicked. Upon clicking the link, the same message appears saying only " This account has been settled in full. '' It appears that there is no record of any open account on PRA 's website.

Based upon the fact that the company seemingly has no record of an open account, I disputed the reporting of this account to the credit bureaus. I also disputed the account with PRA directly.

PRA has not responded to my inquiry and has re-affirmed ( re-reported ) the account to the credit bureaus, noting that it is disputed but that it has been confirmed and meets FCRA requirements.

The act of reporting an account to the credit bureaus while having no record of it or the ability to resolve it is a false, misleading, and confusing action. No consumer would have the ability to resolve an account that does not show up in a company database yet is still being reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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