BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber sold my loan to another company who is telling me theyre going to change my rates and they will refuse to do a refinance I had a refinance scheduled for a Thursday shelter in place started on Tuesday on Wednesday they called me and told me I could not meet in the office to sign the paperwork on my refinance and not to worry everything would be SS in place as soon as we were able to meet again in front of a notary and sign the new documents in the meantime I did do a forbearance with caliber and then I received notices that were over three months old that they had sold my loan not given a proper mailing address to the other company or utilize my proper mailing address the new company Then told me that they didnt have my information updated even though my loan would be officially theres that week but they were several weeks behind in processing that I would have to wait for them to update their system and then the meantime my forbearance had ended early according to them the payment will be due but they could not even except it because I was not in their system. I contacted caliber they directed me to the site to file a complaint but I dont think they realize my complaint is also against them Ill be filing a separate complaint against the new company as soon as they send me further information on who they even are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NC
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-10-22
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I checked my monthly credit report statement noting the following : Credit Alert Derogatory Account Reported By I.c.  System, Inc Reported On XX/XX/XXXX Account Balance : {$100.00} Account # - XXXX XXXX XXXX - Ticket # - XXXX ; XXXX I called I.c. System, Inc. to inquire about the charge and was told that it was related to XXXX XXXX. They claimed it was related to an account that was closed in XXXX. At no time have I been made aware of the debt. I was never given a chance to dispute it. I have returned every equipment I ever collected from XXXX XXXX. This company has a pattern of misplacing returned equipment and coercing former customers into making payments. I have made multiple attempts to contact XXXX XXXX and have been promised a call back, all to no avail. I would like this unsubstantiated charge removed from my credit report. 

I'd greatly appreciate your 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 2019-08-02
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I was promised a fee for repossession would be waived since I was on short term XXXX at work and just had a death in the family. 6 weeks later I was advised that I was misadvised and I shouldve known better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Problem : On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' Result : On XX/XX/2020 Experian alerted that 'Score Decrease Your FICO Score has decreased by 17 points. 

Error : Experian error 102 unable for Experian to boost utilities Cause : Experian wrongly disconnected my bank XXXX after almost a year being connected. 

Misrepresentation by Experian : Experian  claims my bank XXXX not supported which is a lie because XXXX was already connected to Experian for almost 12 months and all my utility accounts recognized to boost score.

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, NA XXXX {$240.00}

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2017-12-19
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I have a hard inquiry for a Walmart credit account. I 've never had one or applied for one. Please check this out for me, so this can be removed from credit report. 
Thank You 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 non-monetary relief
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Speaking of my experience with Bank of America. BofA 's Automated system ( not sure about other banks ) allows unauthorized access to another person 's banking and credit card balances, their list of expenditures and deposits by using that persons Social Security Number. An unauthorized user ( ex spouse, PI, criminal, anyone ) can access balance information as long as they are using the automated system only. Speaking with to a live person at the bank or by calling customer service prevents this as a two feature authentication may be requested and employed. Bank of America curently does not have an avenue to prevent this type of breach in security. A two factor security authentication feature is not available and does not have to be used with the automated system if you have a social security number.

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 2019-06-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JP Morgan Chase Bank, NA, XXXX XXXX XXXX, XXXX, OH XXXX has given me ( 2 ) Amortization Schedules ( P & I ) for my Loan that do not have the same ending principal balances. Im unable to correctly add any extra principal payments in order to pay off my loan. I also was  given a Legal Amortization Schedule from XXXX XXXX XXXX I received at Closing ( XX/XX/XXXX ) to use in paying off my loan. This makes a total of ( 3 ) Amortization Schedules that differ in ( P & I ) figures! I was told by XXXX XXXX, Team Leader Executive Office Representative, JP Morgan Chase, NA ( XX/XX/XXXX ) that on XX/XX/XXXX things would change regarding my ( P & I ) balance. However, any Amortization Schedule that would be issued to me after the XX/XX/XXXX principal payment would not reflect the correct monthly principal balances that I could use! The Amortization Schedule ( P & I ) balances would never match the current principal balance! This is an insane bank practice! 

I would be unable to receive an Amortization Schedule listing the correct Interest and Principle in order to apply any extra principle payments for the remaining of my loan.

It has been made clear that JP Morgan Chase Bank, NA does not want me to be able to pay any more extra principal payments on my loan. They want to be able to make as much money as possible on my loan. An awful bank practice! Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my Chrysler Capital vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already submitted a dispute through XXXX and XXXX. The debt has not been removed from the XXXX report, but has been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an XXXX XXXX XXXX credit card issued by Wells Fargo Bank NA. I recently purchased wedding/engagement rings totaling {$19000.00} on XX/XX/2019. The special financing they have was zero down, 9.99 % with equal payments over 60 months. On XX/XX/2019, an account statement was generated showing a payment due on XX/XX/2019 in the amount of {$410.00}. {$410.00} x 60 payments equals {$24000.00}. When amortizing the amount financed over 60 months with equal payments of {$410.00}, this translates into an APR of about 10.5 %. Using an exact days method of accruing interest, for it to be 9.99 % APR, the payment should be {$410.00}. This is only {$4.00} per month, but over the life of the loan, its {$280.00} of what appears to be over charged interest. 

I called Wells Fargo customer service on XX/XX/2019 and was told, at multiple levels, that all they know is they have a " payment factor '' of 2.1465 % and refused to provide any additional information on how the equal installments were being computed as well as refused to provide any sort of amortization detail to prove out the payments. 

The 9.99 % APR they claim they offer is not 9.99 % and although minor in dollars at the individual borrower, it is significant if you multiply it by hundreds or thousands of individual borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My prepaid Visa card expired XX/XX/20 with {$150.00} on it. I've only had it 1 year. 

I try calling but, there is no way to reach a live person. 

The company is MyPrepaidCenter.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I transferred USD XXXX from my brokerage account at XXXX to my bank account at HSBC XXXX XXXX. The bank delayed my transfer for quite long time. After my complain ( Case # XXXX ) on your website, we got the money on our HSBC bank account on XX/XX/2018 and got apology letter from HSBC customer service as attached. But on XX/XX/2018, HSBC Bank suddenly returned my money to my brokerage account without any notice. We called XXXX XXXX XXXX customer service and the customer service person replied that she can't do anything and the relevant department didn't want to give any explanation. I also sent following email to the customer service manager of HSBC XXXX XXXX   twice but got no reply : " On Sat, XX/XX/2018 at XXXX XXXX, XXXX XXXX <XXXX> wrote to <XXXX> : Dear XXXX, Regarding our transfer of USD XXXX from our XXXX account to our account XXXX in your bank, though the money arrived to our account on XXXX XXXX, the arrived money was returned to our XXXX brokerage account on XXXX XXXX. We didn't make such transfer and found the return was generated by system. We contacted XXXX and XXXX replied that it was not generated by XXXX and XXXX just received that money from your bank. Pls check whether your bank system generated this return transaction and explain the reason to us. Our family need to pay my son 's tuition and moving home expense in XXXX ( this month ). The delay of last transfer and this time 's automatic return by system caused us not only wasting a lot of our time and efforts but also worries and mental stress of potential default. It caused my wife 's XXXX XXXX. 

Looking forward to getting your prompt reply. 

Thanks Best, XXXX XXXX XXXX XXXX XXXX XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A payment lateness was reported to the Credit Bureau and this was entirely not my fault. 

Due to Covid-19, wait time on telephone banking was over an hour and I was unable to contact customer service. My second option of payment was using the BBVA app, but that was not working either and I had notified customer service previously and nothing was done about it. 

When I contacted to explain my situation, they said I should have gone to the bank to make payment, and I had let them know my husband had just returned from the XXXX XXXX and we were all advised to quarantine. And with XXXX children, that was a very difficult time. 

I asked them to refuse the late payment report on my credit report and I made all payments, and they refused. I just need them to take responsibility for the app not working and the over 1 hour call waiting which made it difficult for payments to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT AND DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2018-04-05
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple calls from multiple numbers. I have not received anything in writing about the debt to date. They call 6-7 times per day and DO NOT answer the phone. One guy burped in my ear, another was talking to his colleagues and hung up. Most of the calls they hang up. I've had to resort to blocking multiple numbers as no one answers. I believe its Tek Collect? 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On or about XXXX ( Xoom transaction # XXXX ) I attempted to send money and the transaction was to be immediate. My bank account was debited XXXX USD. 
The transaction then was reported to be on hold and a delay was imposed. 
On or about XXXX I contacted Xoom and was told the transaction was to be delayed further, I then canceled the transaction and I was told I would be refunded three days after the funds XXXX was received. This was odd since my bank was electronically debited XXXX on XXXX. 
On or about XXXX I received the inclosed email stating a refund was initiated and will take three business days. 
Today on or about XXXX I called Xoom and was told that XXXX has not been received and it will be refunded three days after receipt of the funds.

Prior to this transaction Xoom has kept funds from the below transaction. 

On XXXX my bank account was debited XXXX and money was sent on Xoom transaction # XXXX, it was canceled on XXXX. 
I contacted Xoom and was told the money was deposited in my bank account. 
I have not seen a credit to my account todate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2016 an authorized check was put through my account and then my ability to make deposits was revoked. I shut down account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XX/XX/XXXX {$480.00} hotel showed a payment made on two different cards. The hotel fixed the problem. 


XX/XX/XXXX. {$23.00} Debit Visa was declined several times. I wrote a check. 

XX/XX/XXXX {$17.00} purchase declined. I used a different card. 

XX/XX/XXXX - XX/XX/XXXX {$610.00} total with 184 purchases on Visa Signature. 
Stop put on vendor and Card restored amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company started charging me with Interest and Fees for payment delayed due to technical and COVID-19 reasons. 

The payment was discussed and was reported with the agreement that if the payment gets delayed and the computer generates automatic fees and interest, it will be rectified and adjusted. 

The fear came true, however, the credit card company started demanding those charges and refuse to adjust it to XXXX. The payment due was paid in full and the company does not have any issues with it. 

Originally I disputed the wrong reporting with the credit bureaus, however, to retaliate the company closed the account discriminately.

Company response to consumer: Closed with monetary relief