BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I requested a reasonable settlement offer from Wells Fargo for accounts opened in my name which I did not need or want, did not request. To date, Wells Fargo has made remedy offers which do not cover damages caused by said accounts. The remedy offers, which payment was not received, include amounts of {$3700.00} and subsequently, {$500.00}. Both amounts do not cover damages sustained to credit, ability to open accounts with other institutions. I've filled out several meditation request forms, sent in, no reasonable offer made to me. Failing to make reasonable offer and honor their prior remedy offers, I request Wells Fargo stop sending mediation request forms and provide an address to mail notice of lawsuit to. Most recently, I refused a XXXX package from Wells Fargo Mediation, tracking ID is XXXX. Package was sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I suspect reason for non-receipt of payments prior is due to address change, payments may have gone to old address which I no longer live at. Further, I suspect Wells Fargo sent yet another mediation request form, in which case if filled out, will be denied as with prior ones. I have refused XXXX package as again, it appears to be yet another mediation request form.

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 2021-11-29
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX, XXXX has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The creditor gave me a vehicle loan the car was in a accident it was totaled out they wrote it off as profit loss write off showing a balance of $ 16k+ bad debt on my credit report. However my gap insurance covered the vehicles loss value and the loan was paid in full by XXXX XXXX XXXX XXXX. XXXX  bank will not remove it from my reports help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. I requested from American Education Service ( AES ) all of the documentation concerning the loan. The loan was originally with XXXX which was turned to XXXX XXXX. I asked AES to provide me with the documents stating what company owns the loan and the transaction documentation when the loan was transferred or sold. AES responded that they were unable to provide the information. 2. I was told when I first got the loan that I could remove the cosigner after making 24 payments. Now they have changed the rules : a ) You can not have had a deferment. b ) When making payments, you must wait 30 days before submitting the next payment. This is to prevent a person from paying the 24 payments quickly. 3. The terms of this loan are very difficult, almost fraudulent. The loan was for {$16000.00} in XX/XX/XXXX and no payment until XX/XX/XXXX. In XX/XX/XXXX, the balance was {$21000.00}. A deferment was requested and in XX/XX/XXXX the balance was {$24000.00}. I made payments in Starting XX/XX/XXXX to XX/XX/XXXX and the balance remained the same at {$24000.00}. The balance has fluctuated up to {$26000.00} in XX/XX/XXXX and is {$25000.00} as of XX/XX/XXXX. At this rate I will never be able to pay off this loan. I have  attached my loan payment history. The payment is currently {$210.00} per month. I have asked AES if I could modify the terms of the loan but they said they would not change it. 4. If AES or the lender who currently " owns '' the loan can not provide proof that they truly own the loan or service the loan, then by law they can not collect payments for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of XXXX, i filed a dispute with Experian and XXXX   credit bureaus about the unverified account : XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you

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 2020-06-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I always pay on time following receipt of paper statement. XX/XX/2020 's statement not received ( Covid Issues perhaps incurred by CITI ). AS a result, and following collection calls beginning, payment made 5 days late. Late Fee Assessed by CITI - disputable. Fast Forward to XXXX, LC balance not paid ; CITI assessed a second late fee for the first unpaid late fee and claimed original late fee as " deferred interest purchase. '' Called today, they stated the missing statement is not justifiable for being late on a payment. Would only waive the second late fee, but not until I paid the first late fee, XXXX  out the account ( predatory and bad debt collection practices ). 

I work in the XXXX XXXX/XXXX XXXX. We are not allowed to assess a late fee when a borrower does not pay for outstanding fees. How does a credit card lending company an exception to this lending regulation? While an interest rate of 20 % can't be applied to a late fee due to regulation, it is illogical for a late fee of {$28.00} for unpaid late fee of {$28.00} to be permissible and not defined as predatory as that's a 100 % revenue, better than any interest calculated on the low balance.

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 2018-05-01
Company: STIFEL FINANCIAL CORP.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our mortgage with XXXXXXXX XXXX  XXXX XXXX, and immediately we started receiving dozens of notices each week trying to trick us into completing a credit life product application. The notices come in red or pink to make it look as if we have missed something with our loan and are marked " Urgent! ", but this all began before the first payment was even to begin. We contacted the mortgage customer service department, even speaking with a supervisor who tried making excuses about the products being sent to us. We took ourselves opted out of prescreening long ago so we no longer receive these type of offers, and eventually the supervisor admitted it was Stifel who provided our information to third parties to solicit credit life products. She then assured us that we would no longer receive the offers as she would remove us from the list, but several weeks later we are still receiving dozens of offers every week. Our loan isn't even with Stifel anymore ( transferred before the first payment was even due ), and we are still receiving dozens of offers every week regarding our Stifel loan ( which we don't even have anymore ). This is absolutely not anything we ever signed up for ; just because we closed on a home does not mean we want the details of our mortgage shared with third parties. And the way the solicitations come is probably barely legal as it's difficult to identify the purpose of the " urgent notice ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AMERICAN HONDA FINANCE CORP
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: Problem with personal statement of dispute

Complaint:
American Honda Financial has reported a charge off on my account for an auto lease that ended in XX/XX/XXXX. This account had excellent payment history for the duration of the contract. Upon turning my leased vehicle into the dealer in XXXX, IL, I was given a receipt that lease termination was successful and that all payments were current. I was billed for something that I disputed with Honda on more than one occasion by phone and went back and forth with the dealer who said that they would " take care of it ''. After a few months of no resolution, I paid the account through a third party, XXXX, on XX/XX/XXXX for the amount of {$820.00} with the understanding that this would not negatively impact my credit report. I contacted XXXX on XX/XX/XXXX and they were unable to provide any records of this transaction or payment and asked me to reach out to Honda. I contacted Honda on at least 3 occasions between XX/XX/XXXX and XX/XX/XXXX to discuss the matter and asked them to provide documentation of the calls and they refused ; in fact I was hung up on on XX/XX/XXXX. Furthermore, I have disputed this with Honda and they will not update my account nor provide support of these actions. I have attached my bank statement for proof of payment. 

The did not do what they promised to resolve the disputed charge to my account and Honda Finance has refused to work with me in this matter. I have attached a payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL 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 2017-08-01
Company: GreenSky, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to use XXXX through my bank and it advised me my account was to restricted and to call. After calling the agent was able to give me very generic information regarding the reason for the restriction, and advised me to go to a branch for more information. But due to Covid19 all branches in my area only has drive thru access. 
I was never notified of this said restriction and don't know what caused it, I would like a clear answer as to why my account has this restriction on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The escrow account was established for loan XXXX in 2012 and was for illegally placed forced placed Harzard insurance on the account in 2012. The property was under a federal stay per the escrow history document in 2012. Docket 438 Stipulated Order granting conditional relief of from stay. File XX/XX/2012 entered on XX/XX/2012 per this document states that : The parties have now entered into a agreement in settlement of the Motion to Remove Stay as more fully set forth herein. The docket states that as of the date of the agreed settlement which was on XX/XX/2012 the debtor in possession shall continue the post-petition payments of {$130.00}. Per the last paragraph of Docket 438 the court further order that if the Debtor fails to pay future post-petition payments or the delinquency of thirty days or longer the Debtor or his counsel shall be served with a 10 day notice of default indicating Movants to file an affidavit and proposed order granting a relief of stay. This relief action never happened during the Federal stay on the property per the court Docket on file. The loan was paid per the reaffirmation agreement as court ordered. 
If the default is not cured within the 10 day period, then the automatic stay which is now barring any proceeds in foreclosure against the Debtor shall automatically be lifted upon the creditor The Debtor paid the agreed payment of {$130.00} as court ordered.

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 2018-10-06
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need Equifax, XXXX, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and Part XXXX  of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, Equifax, XXXX, and XXXX  can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For more than a year the bank, wells fargo state that my PPP loan had not been forgiven after a review my SBA and that no further appeal was available. But today XXXX XXXX XXXX, Administrative Judge of the United States Small Business Administration Office of Hearings and Appeals stated On XX/XX/2022, the U.S. Small Business Administration ( SBA ) Office of Hearings and Appeals ( OHA ) received an appeal from XXXX XXXX XXXX ( Appellant ) challenging the Final SBA Loan Review Decision for the SBA Paycheck Protection Program ( PPP ) Loan No. XXXX. 
It appears that the instant appeal is premature. An appeal petition may be dismissed as premature if SBA has not yet issued a final loan review decision. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 
For these reasons, it is ORDERED TO SHOW CAUSE, no later than XX/XX/2022, why this matter should not be dismissed as premature. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 

In effect stating the bank aggressively collected on a loan, without standing and forged a decision letter after lying to this body repeatedly. 

If you need more evidence please see the files located at XXXX XXXX XXXX password occ There you will see more than 600 files that support the statements in the attached case. The file called unknown is the judges order.

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: 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: Account information incorrect

Complaint:
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON EXPERIAN, XXXX AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX  XXXXThe agent accepted XXXX  dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been XXXX.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX  XXXX AGENT, being transmitted to the bureaus after dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This the second time they put me in collections. Illinois XXXX XXXX XXXX XXXX was taking money out my account every month, therefore they should not have put me in collections!! Im still receiving funds from them.

Company response to consumer: Closed with explanation