BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
chime recently closed my account and had my ppp loan recently deposit there. they refuse to refund my money even though i sent all proof of documents to them when they asked. it's really frustrating because how am i going to pay a loan if i dont have the money. i kept emailing chime all week and they don't response, the last email i got from them stated they wont issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called XXXX card customer service about an old credit card debt from about 10 years ago. They referred me to Zakheim Law Group and provided the phone number. I contacted Zakheim Law Group and requested written information on the debt, including payoff. They requested that I fax a signed statement that I was not being represented by an attorney before they would speak to me. I complied. I called again and requested the written information about my debt. They said they would have it to me by the end of the week. They did not. I called again Monday, they said they would have it to me by Wednesday. They did not. I called again and was told they would have it to me by Friday. They did not. I called again the following Monday and could never get a person on the line. I called again Tuesday and could not get a person on the line. I called XXXX card. The XXXX XXXX representative attempted to contact Zakheim Law Group as well, and was unable to reach anyone after a very long hold. So, ultimately, after more than 2 weeks and a multitude of phone calls and requests, I still have no written  statement of my debt. In the meantime, there is a lien on my home, and interest continues to build daily ( as I was informed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was hired to XXXX a XXXX job and deposited the customer 's check into my account on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX three holds have been placed on the check. The issuing bank stated that the check was paid on their end and there was no problem with the check. I have a {$35.00} dollar fee for an insufficient check in the amount of {$500.00} when funds are being held in the amount of {$6800.00} that was already released to XXXX XXXX XXXXXXXX from XXXX XXXX XXXX. I also had a {$100.00} hotel deposit from XXXX XXXX XXXX that was released back into my account that disappeared on last week. What happen to my {$100.00} dollars? I feel that Bank of America is in violation and need to be investigated!

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 2017-11-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Its been a complete waist of time filing consumer complaints. Ocwen Loan Servicing 's puppet employee XXXX XXXX was given a Ocwen Loan Servicing title to learn how to become a pathological liar so Ocwen executives can shuffle documents to rob homes. The CFPB was puzzled together to collect millions in settlements using and twisting the laws all up so it could allow Ocwen in return to admit no wrong doing which has allowed Ocwen and its abusive employee to continue to harass and abuse homeowners. This CFPB communication is evidence that I demand XXXX XXXX to Cease and Desist all further communication with me because she is a pathological liar who has caused me serious harm. This matter will be handled in a court of law. I will not waist anymore of my time dealing with a bunch of incompetent fraudulent abusive shady criminal servicers. I have attached shady XXXX XXXX response to my consumer complaint. I have attached summons. I am not able to attach any exhibits because the volume is to large. You can review the entire complaint once you have been personally served. The process servicer is in route to your locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive the original bill and was not given the opportunity to validate the debt. Additionally, I do not have a contract with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Klarna AB
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional {$59.00} everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled. 

I have sent the information to Klarna also. They refused to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I 've been battling with Wells Fargo Bank since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by Wells Fargo Bank, subsequently Wells Fargo Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however Wells Fargo Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. Wells Fargo Bank 's callous disregard for providing accurate information to XXXX   and XXXX is truly egregious and XXXX and XXXX  's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.

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 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I cant talk to Capital One on XX/XX/XXXX pertaining to my payment on XX/XX/XXXX theyre saying that my payment was returned to see if that the funds from my bank that is incorrect because number one when they got authorization on XX/XX/XXXX they received authorization code I spoke to a young lady and I asked her I said well you are processed my payment did you were did you not receive authorization code she said yes so she proceeded to go on she know what she was talking about so I asked her to give me till supervisor so when I asked him I said well you are processed my payment on the XXXX did you or did you not receive authorization code he told me that they did not receive authorization code so I asked him who was XXXX him a XXXX he was very rude very nasty and told me they were talking to him anymore I can hang up the phone I would just try to rectify So at this point I want to have a siccation shell be done and I want all phone calls to be poured that took place on today and XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: DISCOVER BANK
State: PA
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 XX/XX/2019 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a new car of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AES/PHEAA
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:
FedLoan Servicing has refused to update my credit report with their transfer of 2 separate Department of Education Loans to XXXX. The transfer occurred on XX/XX/XXXX. I disputed the reports through the XXXX XXXX app in late XX/XX/XXXX, then again in XX/XX/XXXX, well over 30 days since they transferred the loans. 

The dispute resulted in that FedLoan did not agree and the dispute stated it was resolved with the XX/XX/XXXX balance still reported. Both Department of Education loans have been paid in full through XXXX since the transfer. Incorrect information can have a significant impact on my ability to obtain other credit and demonstrate current financial obligations. 

FedLoan Servicing has made many errors on my account including withholding that they were going to capitalize interest or failing to give options for repayment. I had to learn how to do everything myself during my time with them as they consistently led me towards increased debt and capitalized interest. They took 6 months to process changes such as payment plan changes and when I was on XXXX mishandled paperwork. Please help me fix this issue so I can finally be rid of FedLoan Servicing and their criminally incompetent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back in XXXX XXXX both my fianc at the time and I decided to split. We were high school sweet hearts and honestly we didnt know much about credit and how to use credit responsibly. My payment history was always on time prior to us splitting up. The problem was that I was always used to having two incomes ( mine and hers ). Transitioning into having one income I was truthfully over my head with utilities, rent, truck payments, medical bills as well as fullfiling credit obligations. I became depressed and ended up having to leave my job. I voiced my problem by which then the representative showed empathy but they couldnt do much else for me. My intentions were to pay my debts as agreed but my only options at that point were to either file bankruptcy or leave my debts unpaid until I could pay them. I now understand what it is to be responsible with credit and paying debts as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I can not seem to get a straight answer from anyone at Wells Fargo Home Mortgage. 
What i want to know is why have i not seen any of the proceeds from them trading my mortgage? It was not disclosed to me at the time of closing. I allowed for either XXXX XXXX XXXX XXXX XXXX or Wells Fargo Home Mortgage to take my mortgage and turn it in to a mortgage back security. I assumed it is Wells Fargo because they became my Mortgage company shortly after the closing of my house. 
All i know is that my Mortgage note is a mortgage back security and that it generates a profit. That profit is to be put towards my Mortgage payment. I have not seen any of the proceeds from the mortgage back security. and i would like to know why..

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 2017-11-07
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am asking for some help here, please! My life has been very difficult and US Bank is making it harder for me. I had all of my credit cards stolen recently and I have spent weeks disputing transactions and trying to get new cards mailed to me and in the process I signed up to monitor my credit and I was so shocked to find that US Bank was showing me as 30 days late for XXXX of XXXX. I had resolved this issue that same month when I called and told them that I had never received my bill/statement and a new one was sent out to me. I noticed a few weeks later that they had notified all 3 credit reporting agencies that I was late 30 days, yet they had assured me I was not and apologized for my lost/stolen statement. I called them and spoke to a XXXX who saw that I had an issue receiving my statements and he said to me that the 30 day late would be removed. I asked them to send me a letter confirming this and they did, but unfortunately since this was years ago and my work briefcase along with my personal bags were stolen from my car XXXX no longer have this letter. Why was this information not updated like they said it would be in XXXX? this is so damaging to my life and my financial business and yet they had assured me that this would not be on my records or held against me. I am so frustrated and saddened that nothing was done and here I am 3 years later stressing this ridiculous issue again while I am making trips to the courthouse to prosecute the thieves that took off with my briefcase and credit cards. 

I wrote them a VERY kind letter, which I have attached here so that the CFPB can see the issue at hand as well, and they DENIED me so coldly and without ANY sort of explanation investigation. The letter explains NOTHING and only confirms whatever they want it to confirm.It is apparent to me that they do n't want to change anything because they do n't want to be wrong. but they are reporting this inaccurately. they said one thing and have done nothing. No phone call is transcribed here which would explain everything form XXXX and no managers name are shown here either to show whom I spoke to initially. I formally request that letter again, I know that they have it on file because they sent it to me, so it should still be there and noted that my calls were made. It would be unprofessional for them to deny me this. I was NEVER late! PLEASE 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 non-monetary relief
Consumer complaint received 2022-03-07
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, I signed a modification packet with Freedom Mortgage who services my loan. I made my first payment on XXXX XX/XX/XXXX and attempted to make the 2nd trial modification payment in XX/XX/XXXX but instead was told my modification paperwork WAS NOT in the system and i would have to wait to make the XX/XX/XXXX payment. I called in XXXX on 4 separate occasions and finally was informed the modification paperwork WAS NOT returned by the notary and Freedom Mortgage would have to underwrite my loan again for the modification. I, called every week since XXXX XX/XX/XXXX and I have been told it would take 10 days, 30 days, the file is still in underwriting, a host of excuses and as of this day XX/XX/XXXX, I have not received another modification, I've received calls in regards to payment, but no resolution as to what I was promised. ( A NEW SET OF MODIFICATION DOCUMENTS ).

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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Reference : XXXX I am writing in response to your letter dated XX/XX/2019. The information in this letter is incorrect and needs to be resolve. On XX/XX/XXXX I called the XXXX customer service loan payment number to make my payment for that month and two different agents REFUSE to take my payment citing the XXXX payment system will now allow them to process the payment. I was willing and ready to make my payment and XXXX did not take my payment over the phone. I insisted and with the help of one of the agents I was able to submit the payment online that day. My payment was not credit until the XXXX of XXXX but I make the payment on XX/XX/XXXX. I demand that all my calls are to be review and my payment online as well. I request that my payment history is corrected immediately since it is hurting my credit and reputation.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive submitted dispute letters regarding two separate accounts to Transunion on inaccurate and outdated information. The first letters were sent in XXXX of XXXX, followed up in XXXX of XXXX. It has been well over 4 months. 

One for XXXX the other for XXXX. 
XXXX they are reporting " At least 12O days PAST DUE. '' THIS ACCOUNT IS PAID IN FULL AND CLOSED. Needs to be corrected to PAID. 

On XXXX - Two-Year Payment History : Reporting outdated history that is more than two years old. 

There has been no response or indication that an investigation was even started. 
Ive attached letters and copies of my credit report on both accounts.

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 2021-04-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX Original Creditor : TX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation