BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Wells Fargo Home Mortgage several times requesting copies of monthly billing statements for the years XX/XX/XXXX through XX/XX/XXXX. I have also requested a copy of the XX/XX/XXXX IRS Form XXXX, which they had until XX/XX/XXXX to issue to me, but have failed to do so.

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 2018-02-02
Company: AES/PHEAA
State: OK
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 multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
On XX/XX/XXXX & XX/XX/XXXX, I XXXX XXXX. XXXX sent XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, and unknown inquires.

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 2019-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A dispute was filed with Experian, XXXX and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. Experian and XXXX have not removed the fraudulent information. XXXX XXXX XXXX  sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.

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 2020-07-29
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX The Consumer Financial Protection Bureau With reference to my previous complaint # XXXX & XXXX it is stated that Fay Servicing did not do what they said in their response dated XX/XX/XXXX if you wish to pay your taxes and insurance without escrow please contact your account manager Instead of doing what they said. XX/XX/XXXX they send me a default letter through their attorney ( Copy enclosed A : ) I contacted the account manager through e-mail and phone ( copy enclosed B ) and request her to do what they said in their response, Instead of correcting it she starts harassing me and keeps demanding the extra escrow. Whereas I already paid my Insurance and tax for the year XXXX. 

Two weeks ago someone from Fay Servicing by the name of XXXX XXXX called me and said he had already mailed me the escrow money back, which was a lie too. I dont know how can they not only fool me they are also fooling the CFPB. 

At this point I am current with them as for as principal and interest payment. Fay Servicing is not Appling my payments to my account they are keep them into a suspense account and showing me in default ( copy enclose C ) I am feeling very unsecure with Fay Servicing, therefore on XX/XX/XXXX I requested them to fix my account and provide me the payoff balance so I can finish my business with them ( copy enclosed D ) and so far they havent provide me that either. 


Please ask them to fix my account and send me the correct payoff balance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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:
I am a victim of identity theft. There is XXXX XXXX XXXX account ( acc no : XXXX ) in my Experian report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to Experian credit reporting agency and XXXX XXXX XXXX but they refused to help me to resolve the problem.

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is showing on my report for debt owed in the amount {$370.00}. I have sent two letters ( XX/XX/2019 and XX/XX/2019) I have asked parties for validation of debt owe yet to receive showing that this account belongs to me. This information is negatively affected my credit worthiness. I would appreciate if this account is deleted and removed from my credit report.

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 2021-06-01
Company: EQUIFAX, 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:
I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of a security breach and fraudulent activity on my report and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I'm currently live XXXX, WA. My phone number is XXXX, and SS # is XXXX. 

On XX/XX/2018 Around XXXX XXXX, I went to the Wells Fargo bank located at the address XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX to deposit money into my saving account ( Acct # XXXX ). Employee ( Teller ) involved in the case was XXXX XXXX. 

We had {$12000.00} in cash. My wife had asked me the night before to deposit {$8000.00}. There were 2 bundles of money with the rubber band in {$100.00} bill in the black plastic bag. I handed to the teller ( XXXX ) and requested to deposit {$8000.00} and didnt realize that I gave her {$12000.00}. I didnt count the money along with her as she was counting them on the counter. All I remembered she had 6 stacks of {$100.00} bill as she counted. She then went away from the counter to count it in the machine. She went back and confirmed it with me if Id wanted to deposit {$8000.00}. I confirmed it. 

I took the empty black bag home. My wife had asked me where the rest of the money was. She had all {$12000.00} in the bag, 2 bundles of {$8000.00} and {$4000.00}. I had thought my wife already pulled the {$4000.00} away, however after she mentioned about 2 bundles of money, I realized I had given all 2 bundles ( {$12000.00} ) to the teller. I recalled as she counted the money on the counter, there were 6 stacks of the {$100.00} bill. When she counted, it didnt trigger me why she had 6 stacks of {$100.00} until my wife asked for the rest of the money when I got home. I then contacted the bank immediately ; however the bank was closed at that time. I then call XXXX number ( XXXX ) to report it. The operator asked me to contact the local bank the next day. I came to the bank in the morning to claim the money back. The manager ( name ) asked me to wait and recounted the money in the draw, then she claimed no extra cash was floating around. Ive requested for the investigation and view all cameras. However the manager contact me a week later to let me know that they found no extra money left over and therefore the case has been closed.

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 2020-05-04
Company: Experian Information Solutions 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}

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 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Transunion on XX/XX/XXXX and they refused to grant me access to my credit report, they claimed that my account was accessed by another person other than I on XXXX. 

They said my online account will be banned for life. 

Both XXXX and XXXX have NEVER showed any unauthorized access on my account. 

Please advice. 

Thanks.

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 2020-05-04
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX/XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}

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 2019-04-29
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted by this company XX/XX/19 around XXXX concerning a debt in collections for around {$400.00}. I explained to the rep that I was paying all of my debt off in the order of least to greatest, I asked for her to send me an itemized bill. She said she could give it to me over the phone, I explained that I didn't have a pen/paper and would like it sent to me. She refused and got belligerent with me saying " You've already been advised over the phone! ". I told her that if she was not able to give me a paper copy of my bill, I would be reporting them to the XXXX and FTC. She again, got belligerent with me yelling " Turn me in for what?! '' I then asked for a supervisor since she obviously was having issues granting my simple request. I explained this all to the supervisor ; as well as, how I was having issues with my mail getting to me. I explained that I've had credit cards and important pieces of mail never received to my address. I stated my address to her again. She was able to see that I had bills returned back to their office. Seems like something simple that the first rep could've looked into, but instead I was degraded and yelled at. I do not want this company contacting me via the phone any longer and would like to dispute all charges they say I owe since they could not provide me a bill the first time I asked. They blatantly disrespected me ; when all I did was ask for a copy of the debt for my records, so I could pay all my stuff from least to greatest. I will also be turning them over to the XXXX   because of their poor practices. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We booked our honeymoon through XXXX. The company went under due to covid19 and cancelled all trips. They are asking you go through your bank to get your money back. I submitted my claim more than a month ago and they have denied it saying there was no fraud and couldnt prove something went wrong. Now they are saying they will try to collect the money through the merchant but when I called again they said they wont try that until the date of our trip ( XXXX ). We did not receive the services and they will not help us get our money back.

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 2021-09-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 i made a purchase at a online store for XXXX and XXXX was selling items from XXXX, XXXX XXXX and XXXX. They basically said that they were selling unclaimed items and everything looked legitimate. However when I looked at my credit card statement the same day and it said " VIRAL STORE '', I started getting concerned that it might be a scam. I immediately contacted the merchant and stated that they should cancel the transaction because something is not seeming right. They assure me that the item had already been sent and if I don't want it they can work something out or I can return. Another red flag was that when the purchase was made it said that USPS was awaiting to pick up item. So I relaxed a bit. The next day I checked the item was in XXXX XXXX in transit to XXXX. I presented all the emails, company had no phone number, and since the person was in XXXX it would take 2 days to get a respond. 
I filed a claim shortly with my credit card company ( Navy Credit Uninon ). Sent all the proof including emails. I had requested that the merchant sent me the return address to have items sent, they refused. I kept getting " we can give you 10 % of your money back to not return the item '', when I said no pls sent me your information to return item, 2-3 days later I will get " we can give you 15 % of your money back '' etc. I told the merchant no, I needed full return and will return the item to the return address that was on the package. They never responded. Now the credit card company ( Navy Federal Credit Union ) which I have been in contact with decided that they are going to return my money back to the merchant and told me that the merchant sent information that I received the item. Total insanity because this was not the issue. I spoke with a supervisor XXXX who was totally clueless, another supervisor told me that she was going to reopen the case when I sent proof that the item was returned because they can not approve refund if the item was still in my possession. I told them that the merchant refused to send me a return address and that I was going to ship it back to the return address on the envelope. I provided them with the shipping information and Navy Credit Union still doesn't want to return my refund. They have not provided me any written information about ruling in this case and justification on why they are refusing to return my money back. When XXXX was questioned about it she told me " I don't know why that information was not provided ''. They have claims adjusters that customers can not speak with, but they determine claim without providing justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is willfully refusing to investigate and remove fraudulent items on my credit. 
They are not knowingly reporting items that have been identified as fraudulent by police report with items listed, cfpb report, notarized statement and all required identifying documents my identification, social security card and driver license. This information was initially submitted to this company on XX/XX/2020 via certified mail and on XX/XX/2020 via CFPB complaint. Company claims that appropriate information hasn't been provided. I have provided all required documentation and Experian is using stall tactics to not follow the credit reporting rules. I have attached all evidence as it relates to this case as well as a complaint to the Attorney General and the 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 2021-02-11
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a Pennsylvania pua relia card from us bank. It has been locked since XX/XX/2020. Ive called customers service about 18 times and they say they cant help me and there is nothing I can do to speed it along. Ive also sent ID and selfie to there ID web page about 8 times and the card is still locked. I now have almost 4000.00 on there and haven t been able to use any of it for 2 months. This is the only income I have because I cant work because of covid.

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 2020-07-29
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My spouse and I opened a credit card [ ELAN Financial ] in XX/XX/XXXX,  then we went through a divorce inXX/XX/XXXXand the judge divided our debts. This credit card debt was given to my ex spouse, but she neglected to pay it. However, I did not receive any communication from the credit card company or debt collectors as it was under my ex 's name. 

After I saw that this debt was affecting my credit in XX/XX/XXXX, I have repeatedly tried to contact the collection agency [ ELAN XXXX XXXX, XXXX ] but they refuse to discuss the issue with me as I don't have two pieces of identification. They have my name and my SS number, but that is not enough to them to even discuss it with me. My ex lives in XXXX. She says she has contacted the agency and requested that my name be taken off the debt, but nothing has changed. 

This account was closed in XX/XX/XXXX ( I believe ) but the debt keeps showing on my credit reports and affecting my credit very poorly.

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 2018-06-27
Company: Experian Information Solutions 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:
sent ftc with police report and all the major violaiton

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 2018-02-13
Company: Remex, 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:
Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX, amount is {$4600.00}. I have disputed this account and I have no knowledge of this account.

Company response to consumer: Closed with explanation