BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had two Fraudulent charges on my account with Wells Fargo in the last 6 months. One of them was made before I had even activated the replacement card from the first fraudulent charge. The credit card itself was not in my possession. One fraud charge is understandable, mistakes happen but two so close together especially with a glaring red flag like the card not being activated is inexcusable.

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 monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX, XXXX, and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-05
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I sent off certified mail with return receipt to XXXX, XXXX XXXX XXXX XXXX, XXXX on the 1st of this month and have not received the return slip in the mail yet. This is pertaining to an attempt to collect a debt for DISCOVER BANK CO by XXXX, XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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 contacted XXXX, equifax and XXXX and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
This complaint is in regards to credit card dispute of XX/XX/2020 for {$380.00}. USAA refuses to issue refund from XXXX XXXX  ( XXXX ) for a cancelled airline ticket reservation because the COVID-19 pandemic. 

USAA refuses to issue a written guarantee to refund the money if XXXX XXXX files for bankruptcy or there is no vaccination available by the time the voucher expires. 

USAA is enabling XXXX XXXX to apply 2 sets of standards to its customers because of the pandemic. One for XXXX XXXX in order to get exceptions & breaks, in addition to federal financial assistance. The other to customers such as USAA members by negating that the pandemic exists. 

The COVID-19 pandemic is a clear force majeure event. A force majeure entails both parties effectively voiding a contract and being returned to their previous position. It doesnt allow one party ( XXXX XXXX ) not to perform while still keeping the money. This unearned money in the books is being used as collateral for additional financing and warrants. 

XXXX XXXX carries chargeback insurance. 

USAA ( and XXXX XXXX ) are disregarding the Fair Credit Billing Act and Truth in Lending Act. The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. 

COVID-19 continues to be out of control in the US, including Florida. The Centers for Disease Control and Prevention ( CDC ) is clear : Because travel increases your chances of getting infected and spreading COVID-19, staying home is the best way to protect yourself and others from getting sick. 

It is highly probable that vaccination is not going to be available by the time the voucher expires. 

In regards to credit cards disputes, USAA is NOT for its members, but for the merchants, such as XXXX XXXX. 

Request refund of {$380.00} or written guarantee from USAA that the funds are going to be reimburse if XXXX XXXX files for bankruptcy or if vaccine is not found or if not administered by the VA before the vouchers expires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: STATE FARM BANK, FSB
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:
It was in Texas, someone had open an account in State Farm bank to purchase a vehicle using my name. I had never done it, I'd report it to the local police and it's still under investigation. I am a victim of Identity theft, and I am disputing this because I did not open this account to purchase a vehicle. Currently I do not have any open auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We have had a very difficult time with Statebridge. At this point I believe they are a very dishonest and predatory servicer. In XXXX we were a victim of the mortgage crisis and applied for Making Homes Affordable Program to resolve the bad loan from XXXX XXXX. We were approved for the HAMP program. We were upside down on our mortgage and were told we no longer had a 2nd. The 2nd was removed from the fraudulent XX/XX/XXXX loan. 

Now 12 years later! AFTER a global pandemic! Statebridge contacted us stating we are now facing foreclosure. We were very affected financially during the COVID Pandemic and could not believe this was happing to us. On top of that Statebridge is stating the loan is now over {$100000.00}. 12 years later we can not believe this is happing to our family. We have always been current on our first mortgage with XXXX. 

We applied for a modification to try and resolve. We were declined. This is were we are starting to realize we are dealing with a dishonest company. 100 % predatory lender trying to drive our family into a foreclosure and loose our home. 

Our Complaints : First we were told our file was in review with the underwriting department. During this time Statebridge placed a foreclosure sale date on our house. 4 days after Statebridge placed a sale date on our property we were told we were declined by the investor. From our understanding that is illegal in California. Dual tracking under the California Homeowners Bill of Rights.

Secondly, the reason for the decline is a complete lie. It makes no sense and more proof that Statebridge is a predatory lender.

Modification Program Denied Does not meet the Investors Loan-to-Value requirements. 

This is clearly a lie. We owe {$280000.00} on our first mortgage. Our current value on our property is {$870000.00} - {$920000.00} minimum. Also our debt to income ratio meets all mortgage banking guidelines. Based on this denial it looks like Statebridge is not looking at the information provide for the notification review. They are lying and declining the file after they placed a sale date on the property. All of this seems very illegal. 
Third issue we have with Statebridge and the investor. We have been told this lien is a HELOC. A line of credit, not a mortgage. If it is not a mortgage, is there not a statute of limitations for a line of credit?? Like a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with Experian and XXXX   both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There was an address reported on my credit report that I was not familiar with XXXX and XXXX XXXX removed the address but Experian refused to remove the address. I was told that if my creditors did not report the address that Experian would stop reporting the address and this information was not correct.

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 2020-07-11
Company: PDQ Check Exchange LC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called the company on XX/XX/10 and spoke with XXXX. I called to find out the pay out for my loan. She advised me that {$490.00} was the pay off as of XX/XX/10. I advised her that I would pay it but she stated they charge me a 5 % fee ( even though my payments were on auto payment with no fee ). I asked why I was being charged a fee to pay off earlier but not if I allow auto payments to clear. She stated they waived fee for payday payments but not for additional payments. I asked if I were to pay cash in person if I could do so. Was advised yes. So I asked if I could put in the drop box would I have to pay additional fees. XXXX advised me that the interest accuses daily and if I dropped in the box on XX/XX/10 I would not pay the additional day. I sent my husband to drop in the box on XX/XX/10 at XXXX pm. I reached out to the company to follow up and ensure they received my large payment. I spoke with XXXX who advised me that I have a balance for an additional day of interest. I advised that I spoke with XXXX and she told me I would not be charged as long as it was dropped in the box by the XXXX. XXXX reaches out to her supervisor who told her they would waive convenience fee of 5 % but I was still responsible to pay the interest. If payment was not paid on interest, I would continue to accumulate interest on the interest. I asked XXXX to have her regional manager call me. XXXX called me and apologized but stated they would not waive the interest and she would listen to the call. She stated I would accrue interest on the interest daily if not paid. I called XXXX back to pay the balance but this is not the first time I have been advised one thing and than have to pay additional fees because of misinformation. I want my additional day of interest refunded as XXXX told me if dropped in box by 10th no  additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is NOT a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2020-07-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I OPENED A CITI PLAT AA CREDIT CARD ON XXXX XXXX. THE WELCOME BONUS ASKED TO SPEND XXXX IN 3 MONTHS TO GET XXXX AMERICAN AIRLINE BONUS. IN XXXX AND XXXX, I DID THE ONLINE CHAT WITH TWO DIFFERENT AGENTS WITH CITI. BOTH OF THEM TOLD ME THE DEADLINE HAS BEEN EXTENDED DUE TO THE COVID. I HAVE THE SCREENSHOT HERE. I CAN PROVIDE. TODAY WHICH IS XXXX. THEY TOLD ME THAT I DID NOT MEET THE REQUIREMENT, I SPEND {$2900.00}, LEFT {$25.00} TO MEET THE REQUIREMENT ON XX/XX/XXXX, THE OFFER HAS BEEN EXPIRED AND IT IS NOT THEIR RESPONSIBILITY. DOES CITI TAKE RESPONSIBILITY FOR WHAT THEIR AGENT SAID? THEY SAID NOTHING THEY CAN DO TO HELP ME. RIGHT NOW I ALREADY COMPLETE THE {$3000.00} SPENDING REQUIRMENT. I WANT MY WELCOM BONUS BACK. IF THE AGENT NOT GIVING ME THE WRONG INFO I WOULD HAVE MEET THE REQUIREMENT. I HAVE TO HAVE MY BONUS BACK BECAUSE CITI NEEDS TO BE RESPONSIBLE FOR WHAT TEIR CUSTOMER SERVICE SAID!! CITI, TRAIN YOUR CUSTOMER SERVICE PLEASE! THIS IS HOW THEY MAKE YOU LOST CUSTOMER!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing is our mortgage processing firm. Our account number is ending in XXXX. We have been dutifully paying our mortgage for years to this firm. We use their XXXX XXXX ACH payment system. In XXXX of this year, 2023, they made changes to their XXXX XXXX system. When we tried to pay our mortgage in XXXX apparently their system could not pull the ACH from our account when requested. We received no notification that their system could not access our checking account to make the payment. Instead we started receiving daily, automated collection phone calls. We, not Lakeview, finally discovered that their XXXX XXXX system was not working properly and mailed our XXXX check into Lakeview. They told us due to the ACH system payment not working that we could not use it for XXXX  months. So here in XXXX we again dutifully mailed in our mortgage payment... .and the automated collection phone calls started again. I called Lakeview back today and they said, in direct contradiction to what they told me in XXXX, that our account was again in suspense and that although they had received our XXXX payment that it had been applied to a suspense account and not our outstanding balance account (? ) therefore we were again inexplicably sent to their collections department and the automated phone calls started again. I am in financial services and understand how poor Lakeviews systems are and how poorly trained their representative are ... .I can only imagine how many people who do not understand Lakeview 's ineptitude and quick 'collections trigger ' must feel about their harassing phone calls... .even when they themselves caused the issue. Thanks for allowing me to submit.

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 2018-12-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2018, I received alerts that two collection accounts had been added to my credit reports. I looked into the matter and noticed they were from XXXX/Resurgent in the amounts of {$2900.00} ( the cents change ) and {$1100.00}. I sent certified letters asking for proof that I have a contract with this company. Validation was " confirmed '' through a letter by simply stating it was verified. They provided me with no signed contract or any paperwork for that matter. I sent a second round of certified letters asking for validation. ( Please see attachments ) XXXX/Resurgent then sent a letter on XX/XX/XXXX, days after they received my second round of letters, stating they will not continue to respond to my request for validation without additional information. I have no additional information! I have no information other than what is reporting the the credit bureaus. This company is in violation the FCRA and FDCPA. They have no contract with me. I owe them nothing, yet they continue to badger me with letters and report this erroneous information on my credit reports. I also contacted the credit bureaus. They have " verified '' the information. Interestingly, they too were unable to produce any documents of my signature showing these accounts belong to me. Other than empty rhetoric, XXXX/Resurgent had nothing to offer by way of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Without requesting an account review Navient sent me a letter on XX/XX/XXXX stating " During a recent review of your account, we found that your repayment schedule was shorter than it should be. '' I have been paying this loan for 13 years. Now, 74 months away from finishing I am informed, " weve extended your repayment terms, meaning youll have more time to pay and your Monthly Payment Amount may be lower. '' Decreasing my monthly payment by almost {$500.00} while increasing the interest they will be receiving by approximately 350 % and keeping me in debt for an additional 150 months! 

Upon calling the company the representative stated she was willing to increase my monthly payment back to the original amount ; she failed to understand that's not why I was calling. She stated the original promissory note ( from XXXX ) was not reflected in the repayment plan and I should refer to the original promissory note for confirmation. Well, I don't have a 13 year old document handy and she could not provide it. If she couldn't provide it where was the information coming from when my account was " reviewed ''? 

I believe this is another example of deceitful business practices by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a claim for XXXX that was taken via cashapp from my ex boyfriend who stole all my property which I filed a police report for and canceled and blocked all cards involved I provided the police report number and I have verifications of all my interactions and responses with the bank as well as my other accounts involved.I have several third party witnesses that have witnessed The Bank of America constantly discriminating and unprofessionally, negligently, and without any empathy or understanding of the situaion at hand and nothing is documented on their end.

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 2018-12-29
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) XXXX, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX ( XXXX ) {$130.00}

Company response to consumer: Closed with non-monetary relief