BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX & XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened. I have always paid on time and never been late. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX 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 explanation
Consumer complaint received 2020-07-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made the payment on time, but when SunWest Mortgage went to withdraw the fund was insufficient. i wasn't aware my wife failed to put the money back in the checking account after using some of it. I immediately, called SunWest to explain what had happened, tell them the fund is there in my account and I'm ready to pay the penalty because of that. I told SunWest this is a very difficult moment where they should at least, see the human toll besides their own bottom line which is making money at all costs.They didn't want to listen, explained to me the way to resolve the payment is to go buy a money order for the amount of {$2100.00}. SunWest charged me {$15.00} for insufficient fund and {$110.00} penalty. My final bill was the mortgage payment plus fees, penalty and {$15.00} for the cashier check I bought. Oh, i forgot to mention next day postage fees. 
This is the way SunWest treated part of its clienteles that is voiceless and unable to come out of that merciless purge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/XXXX, the company XXXX XXXX XXXX XXXX was bought by another company known as XXXX. I owned shares in XXXX XXXX. On or about XX/XX/XXXX, I received a check for the shares I had owned in XXXX totaling {$3200.00} with Wells Fargo Bank, NA as the disbursing agent, check # XXXX, account # XXXX. 

The check was misplaced and subsequently later found in XX/XX/XXXX. On the check was printed " void after 180 days ''. I took the check to the local Wells Fargo bank and explained what happened. I was informed by customer service that they could not cash the check because the check was beyond the valid date. Additionally they alleged that the check needed to be re-issued by the company however, XXXX transferred all funds to Wells Fargo as they were dissolved as a company. Since Wells Fargo is listed as the " disbursing agent '', they hold all funds. Consequently Wells Fargo converted those funds to themselves and still holds said funds. They did not forward the proceeds of the un-transacted check to the State of California as unclaimed funds. At this time it is my allegation they kept the money within their institution and will not take any action to assure I receive my proceeds. 

Wells Fargo, NA through their own admission based on a settlement they entered into, have been guilty off unfair practices regarding consumers. This is a further example of their duplicitous business practices.

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 2018-08-13
Company: CITIBANK, N.A.
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:
I had a joint mortgage account with my ex-husband with CitiMortgage, and noticed that my most recent XXXX credit report contains a late payment reported on XX/XX/2012. I submitted a letter to CitiMortgage documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided CitiMortgage with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with CitiMortgage somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which CitiMortgage required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to CitiMortgage was sent from my current address, but CitiMortgage will only send a response to my ex-husband 's address. CitiMortage has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.

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 2020-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, XXXX migrated my mortgage to SPS ( Select Portfolio Servicing XXXX ). I sent SPS the XX/XX/XXXXmortgage payment from my bank account bill pay on XX/XX/XXXX. On XXXX I discovered SPS automatically withdrew the same amount, {$4900.00}, on XX/XX/XXXX. I called SPS on XXXX to ask to cancel any auto withdrawals and to credit back the {$4900.00}. 18 calls later ( XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) and more than 60 days later I still hear the same thing from a supervisor that " it is in process ''. I've also called their Ombudsman line XXXX but have the impression after speaking with XXXX that they take a passive stance and will notify me - same thing I hear when talking to a rep or supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: BARCLAYS BANK DELAWARE
State: TN
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 have received an alert from credit wise about a couple of address being reported to my credit profile by XXXX. The addresses were ; XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported to my credit profile by XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. 
I have never live or traveled to the above addresses. But Barclays Bank reported this address to my credit profile. When I tried to resolve this matter with the bank they kept asking me for the account information which I have no idea about. Previously by the complaint XXXX I was able to stop XXXX from intentionally reporting incorrect information on my credit profile. In the process I lost thousands of dollars because their reporting harm my reputation which led to extra expenses. They also scammed me {$120.00} out of my bank account. They werent willing to return my money or provide compensation for the harm they caused. Just because I dont have the financial muscle to fight them in the court of law. Now theyve gone the extra mile to cause more harm ( fraud ). Again by reporting incorrect information. If there is law and order out here XXXX has to stop ruining the life of a citizen. I call up on the federal and state authorities to stop this company from any further harm to the citizens of this country.

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 2018-08-13
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.

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 2018-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery continues to contact me at my home and cell phone regarding a debt that I no longer owe. The original creditor XXXX XXXX, removed the negative trade line over one year ago because the statute of limitations of 7 years and 6 months had passed. I have exhausted all efforts to have the collection agency cease attempting to contact me. I have done so by writing the collection agency to address their dubious practice of illegally, and now unsuccessfully re-aging the original date of delinquency. I have spoken to several representatives, informed them that I do not owe the debt, and asked them to refrain from contacting to no avail.. I have informed the agency that I would attempt to seek legal remedies, beginning with the submission this formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never closed my account with XXXXXXXX XXXX  I told them to stop sending me catalogs and pre credit limits. They send it then I can't use it. I never closed any accountd

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 2021-06-23
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent {$470.00} to XXXX XXXX using my Zelle mobile app. The transaction showed success and the amount was debited from my bank account at XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX XXXX sent me a XXXX Zelle screenshot on her phone showing " We weren't able to send you money from XXXX XXXX ''. Since then I have been calling Zelle to find out why the transaction was cancelled and when I would get the funds refunded to my debit card. When I have called Zelle I have gotten various responses : talk to your bank, have XXXX talk to her bank ( XXXX ) ; Zelle settlement department will look into it and have your funds refunded. I have talked to my bank ( XXXX XXXX XXXX XXXX XXXX ) and XXXX has talked to her bank ( XXXX ) and we both received the same response from our banks that our banks have nothing to do with this cancellation. I have spoken to multiple Zelle customer service agents and they all seem to give me a different story. When I ask them to send me proof/email of our conversation, the customer service agent tells me that they do not have access to do so on their system but someone will get back to me in 24-48 hours. I have had to call back multiple times just to find out the status. Unfortunately, I always seem to be starting over with each call. Most recently I was given a case # XXXX by a supervisor. Prior to that the case # XXXX On XX/XX/2021 XXXX the Zelle agent said the refund will be released to my bank at XXXX same day. I didn't see the amount on my online bank, so I called Zelle back ( same case # ) and the agent told he will send another email to settlement team regarding why the payment has not posted. And this is will receive high priority. 
I did not receive the money in the account. So I called Zelle back. 

The Zelle agent said I was misinformed on the earliercall. He said XXXX will be the bank to issue the refund, not Zelle. XXXX hasinitiateda refund. XXXX Case number # XXXX via VISA.He said he was reading from the screen ... '' Feedback from XXXX. The payment was denied due to fraud risk action. '' He said I should check back in 24 hours since this item will receive high priority with the settlement team. 
XX/XX/2021 I called my bank, XXXX XXXX XXXX XXXX XXXX, and wastold there are no pending wire or deposit transactions intomy account. 
XX/XX/2021 I called Zelle and the agent indicated that the previous Zelle customer service agent misinformed me about the paymentto be posted on XX/XX/XXXX. The agent said he sent a message to the settlement team to prioritize my case number. I said to the rep that this is the same talking point I heard during my last 3 calls into Zelle. 
I stated to the rep that I will contact the CFPB if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, 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:
Per court order divorce agreement ex husband assumed XXXX XXXX XXXX XXXX XXXX. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called XXXX  XXXX XXXX. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau Equifax and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. Equifax says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I called XXXX XXXX around XXXX cst. I called to ask about having my account graduated to a no secured account the agent told me thats not his department but my account does not qualify. I asked why and got nothing. After 7 years of having this account with a {$300.00} dollar credit limit and paying a {$29.00} annual fee it wanted a full account. I already have one non secured card with capital One that is 5+ years old. This seems like an unfair practice where others are having their account reviewed within the first few years and I have called to asks and complain muntilple time and get no where. Im not stuck wiH this card because if I close it it will hurt my credit because its been open so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
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: Problem with personal statement of dispute

Complaint:
I have requested in writing that all communications with Experian must be mailed to my address and I no longer have an online account with Experian. I did that because when you sign up an online account with Experian you basically give up your rights to sue them for any wrong doing. Experian disregarded my written certified request and still emailed me to check the complaint results online.

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 2018-10-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX Wells Fargo Mortgage commenced a foreclosure action. I tried to modify my loan in XXXX but was denied without explanation. After extensive litigation, I converted my request for a modification into a request for Short-Sale relief. On XX/XX/XXXX my Short-Sale package was fully submitted with a {$400000.00} value to offer supported by comps. Wells did not respond to my Short-Sale requests for over 2 months. I have also filed a Notice of Error complaint for wrongful denial of a Modification that Wells has not finished investigating. I sent a " bad faith '' email & fax to Wells and its attorney for failure to process my Modification and Short-Sale pursuant to the Servicing Standards under the National Mortgage Settlement. See, Notice of Error letter, Request for Adjournment of the XX/XX/XXXX Foreclosure Sale Date, & " Bad Faith '' Email.

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