BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-28
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX  SUBMITTED A TRANSACTION OF {$XXXX} TO XXXX THROUGH XXXX, XXXX A RECEIPT WAS TENDERED FOR THE TRANSACTION. ( see exh 1 ) SUBSEQUENTLY, XXXX RECEIVED AN EMAIL INDICATING THAT THE MONIES WERE RECEIVED INDICATING THAT THE AMOUNT WOULD BE POSTED WITHIN 1-2 BUSINESS DAYS. ( see exh 2 ) AFTER WAITING TO HEAR FROM XXXX  OF ITS RECEIPT OF MONIES, XXXX RECEIVED NOTIFICATION FROM XXXX, XXXX THAT THE MONIES WERE BEING HELD DUE TO AN OUTSTANDING DEBT OBLIGATION FROM AN ASSOCIATED ACCOUNT. ( exh 3 ) XXXX  INFORMED XXXX, XXXX THAT THEY DID NOT HAVE AN OUTSTANDING BLANCE DUE ON ANY ACCOUNT, NOR IS IT ASSOCIATED OR JOINTLY CONNECTED TO ANY OTHER CORPORATION THAT USES XXXX XXXX. ( see exh 4 ) AFTER RECEIVING THEIR REQUESTED DOCUMENTATION, XXXX  FALSELY DETERMINED THAT THE AMOUNT OF {$400.00} WAS INDEED OWED BY XXXX VIA THEIR EMAIL COMMUNICATION. ( see exh 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: WELLS FARGO & COMPANY
State: NY
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:
I have made numerous attempts to Wells Fargo Auto Finance to correct my XXXX XXXX credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up 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 non-monetary relief
Consumer complaint received 2018-03-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed numerous complaints, had several different call center representatives research and continually ignore what the real issue, problem and answer is. Responding with large 80 plus page documents. I have thoroughly reviewed every page and even found errors I was not aware of previously. This was done to intimidate both myself and the CFPB.

With every complaint a new call center representative XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all assigned to pass the same 80 plus page document back and forth only with a new cover letter. All cover letters are the same stating they have tried contacting me which was done for the purpose of documenting a contact or for more time when they say they are trying to contact me.

That contact consist of a call where there is one ring and there is no one there when I answer. This has occurred on several occasions. This is a tactic. In addition WELLS FARGO HOME MORTGAGE has more than one contact number for me a land line of 25 years and a cell phone of 12 years. 

XXXX, XXXX, XXXX and even XXXX thought this was laughable. It is not, they are dealing with peoples lives XXXX seniors. 

Every complaint filed produces a computer generated letter from XXXX XXXX XXXX Vice President another tactic. 

However, no follow up is evidenced by XXXX XXXX or XXXX XXXX for that matter in any of the complaints filed. 

This is a very serious issue as it was originally initiated by the Department of Justice and HUD as a fair housing claim that ended in Federal Court. Believe me there has been nothing fair about the entire process. 

I am requesting that the issue addressed in complaint number XXXX Be thoroughly reviewed by these two individuals XXXX XXXX and XXXX XXXX XXXX for appropriate handling and the resolution and correction to this long on going huge mistake of using the wrong origination date XX/XX/XXXX as evidenced by the settlement company instead of the correct origination date of XX/XX/XXXX as the inclusion date criteria by WELLS FARGO HOME MORTGAGE.

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 2019-09-28
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I have been in communication with Santander Consumer numberous of times via phone and have also written to them demanding that they show me where the balance of {$310.00} is coming from? Was it interest? was it other charges? Representatives on the phone are only assuming it is interest and upon digging for more, they don't know where the balance is coming from after my insurance and gap paid off my auto loan, the balance was only {$23.00} in which I paid in XXXX but somehow a new balance came up and no matter how many times I ask and demand that they tell me where balance came from, they are unable to tell me or provide an itemized statement. After many months of Santander defaulting my credit and finally charging off my account. I argued but was exhausted and so I paid off the {$310.00} not knowing my rights to receive an itemized bill and not knowing that I can still dispute it. Please help. I have contacted them in several occasions and have mailed letters. On the phone they say they are unable to contact their accounting department nor give me a phone number or address to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My money loaded on my card midnight XX/XX/XXXX. Next morning my card was declined. XXXX had disappeared. I called card company direct express right away. The operator looked up my account, told me an online account had been created using my info to transfer my money to another account. They had also changed my user name to ( updated ). He took my report, sent a a form to fill out. I  emailed the form same day and mailed it as well. They canceled my old card and sent me a new one.I recieved a confirmation email that they had recieved my paper work and would complete their investigation in 10 days and they would contact me by XX/XX/XXXX. By mail. On XX/XX/XXXX I called to ask about case. All the operator could tell me is what the computer said .they ruled against me but no details of why. He said he would send disput dept. a letter and I should expect a letter in 5 days detailing the investigation and how they came to that conclusion. I called again XX/XX/XXXX after no letter and was told the same thing. I was also told there was absolutely no other person or number available to me. There is absolutely no way they can say I am liable for this theft. My card was not stolen and I have no need to write down my pin # ( They are not abiding by the federal reserve Reg E. ). PLEASE help. This has caused a real hardship this month, Ive had to ask other people to pay my bills, Ive not been able to get this months prescriptions ( XXXX ) I have no way to get groceries, and more. Can you make them abide by the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a collection account being reported to each of the three major credit bureaus on my credit file by XXXX XXXX XXXX in the amount of {$7800.00}. This company has continuously called me regarding this debt after I have requested that they communicate with me in writing regarding this alleged debt. After two months I have not received anything in writing from this company. Upon further research of this company, I found XXXX XXXX XXXX is not licensed in the state of Georgia to collect. I contacted the Georgia Secretary of State, XXXX XXXX office and verified that this company is not licensed to collect in Georgia. I also hired an attorney who also verified this company is not licensed to collect in Georgia and advised me to pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
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: Their investigation did not fix an error on your report

Complaint:
DISPUTE REASON : EACH CREDIT BUREAU TRANSUNION, XXXX, XXXX  ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.Transunion reports XX/XX/2014XXXX XX/XX/2014

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 2019-09-28
Company: Experian Information Solutions Inc.
State: LA
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:
Numerous requests for reinvestigation have been sent out to XXXX, XXXX  and Experian regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.

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 2020-05-01
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hello, I am XXXX and spend within my means. I pay off my credit card each billing cycle so as to avoid fees. I just put a large payment for my son 's orthodontic work on my credit card before the COVID shelter in place started and I am not able to work ( I am a XXXX. ) I went to the bank to ask what my fees would be if I didn't pay my bill, and in XXXX it would have been close to {$200.00}, and in XXXX, it would have been $ 600+ because of when the payments were made to the dentist. 

The credit card companies are waving their late fees which sounds so generous, until you realize that the interest rate is gong to be hundreds, while my late fee is only {$39.00}. When I asked my bank why they aren't doing something about the interest rates during COVID, the teller said they weren't in charge of that. Well, who is? And why isn't the government stepping in to regulate this? 

I have money saved, and fortunately, will be able to make the monthly payments for the time being. I am still outraged by this circumstance, however. Think of all the people who are not as fortunate as I. To waive a late fee but continue to charge 18 to 29 % interest during a world-wide crisis seems mercenary, and should have someone leading the way to change this dynamic. Please insist the banks institute a mandatory lower interest rate for anyone who should need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 hate this bank and my card they never take my complaints or feedback seriously capital one you are horrible I have a gm cara which doesnt earn rewards in every purchase I want a product change a cars upgrade and they lie to me I hate this bank their customer care Agents lie to me telling me I qualify the supervisor is XXXX  I have a gm card I dont undrdtnad why they tell me I qualify for a cash back card and then say no we never said that such liars and then I tell them feedback how come capital one offer tap pay go technology on other card and products but not mine they refuse everything they dont give everyone latest card technology I dont want XXXX XXXX I want to tap my card they should make this feature standard for everyone to have And enjoy as optional but not offer it is a shame and the lies they make I hate you capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have requested for verification of debts, and all 3 credit bureaus failed to verify my debts, and they have also failed to remove the items from my reports, and I have notified them they are in violation of the law. They refuse to do anything about it. I've sent each credit bureau numerous certified letters, with return receipt, outlining what accounts I was asking for verification on. They responded back, but they did not verify the debts or remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Remitly, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello I made a transfer with the company Remitly on the XXXX of XX/XX/2020. The transfer amount was of {$2000.00} to transfer to XXXX and receive R {$10000.00}. The transfer was to arrive on the XXXX of XXXX. I received an email saying it was being delayed for some technical reason on the XXXX. Then I received another email 20 mins after that one saying the funds had been successfully been sent to my bank in XXXX and they would be available at XXXX XXXX  EDT. Its been over 3 days and they funds have been delivered to my account in XXXX. The only way to contact them is through a chat on their site and I have tried the chat twice and every time they say to wait a few more days. The last time I was on the chat was today Friday the XXXX of XXXX and someone told me to give them time that it would be resolved as soon as possible and that they are having technical issues. I don't think thats a good response with no information at all just to wait that they would resolve it as soon as possible. They have shut off all phone and email communication and they people at the chat give you no useful information. I am afraid to lose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas Experian and XXXX to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.

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 2023-03-28
Company: EQUIFAX, INC.
State: OH
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:
EQUIFAX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXXXXXX XXXX XXXX ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an Equifax Mortgage Service never hear of them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC. There is a foreclosure sale scheduled for my home on XX/XX/XXXX. 
From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES , LLC. 
I sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES , LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES , LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible. 
RUSHMORE LOAN MANAGEMENT SERVICES , LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
ON OR ABOUT, XX/XX/2019 MY CREDIT CARD APPLICATION TO HSBC BANK WAS WRONGFULLY DENIED DUE TO THEIR TOTALLY ASININE BELIEFS THAT MY MAILING ADDRESS COULD NOT BE VERIFIED. I HAD SUPPLIED HSBC A CURRENT COPY OF MY XX/XX/2019 XXXX PHONE BILL THAT CLEARLY LISTS MY VERIFIABLE ADDRESS, HOWEVER, HSBC STILL REFUSES TO PROCESS AND ISSUE TO ME A HSBC MASTERCARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CCS Financial Services, 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:
In early XX/XX/XXXX the account was removed my credit report and then re-added a couple of weeks later. 
My understanding is that this is a process known as " re-aging '' and is illegal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: GA
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 am victim of Identity THeft and I can not login into Equifax system to check my credit report because it keeps blocking me from the site. When I enter in my personal information, I get a message stating that records do not match information entered which is a lie. My address as well as my personal information have not changed.

Company response to consumer: Closed with explanation