BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make 12 mortgage payments per year to Wells Fargo. I pay a day or two early to be sure they are received on time. These payments are scheduled and automatically sent by my bank ( XXXX XXXX XXXX  ) to Wells Fargo every month. These facts are not in dispute with Wells Fargo. 

I received an escrow analysis for XXXX indicating that my escrow balance was projected to be too low at some point in the year and I should therefore pay a little more to make sure the escrow balance didn't get too low in XXXX. However, that XXXX escrow analysis is based on only 11 payments in XXXX. They show zero escrow payments for XX/XX/XXXX, but estimate the correct amount for XX/XX/XXXX. The end result is that the estimated escrow balance for the start of the XXXX analysis period is one escrow payment ( {$840.00} ) short. 

I have spoken to 4 different people at Wells Fargo ( XXXX ) since receiving the statement on XX/XX/XXXX. The last two are XXXX XXXX at extension XXXX and XXXX XXXX at extension XXXX. They all tell me that they have 11 payments for XXXX in the escrow analysis because I pay early. So when the statement was run, they hadn't received any money in XXXX. I pointed out that they receive 12 payments and therefore they need to perform the analysis based on 12 payments. They acknowledged that they will receive 12 payments in XXXX and they are received a couple of days before the payment is due, but they are sticking with the analysis based on 11 payments. 

This approach to the analysis is either incompetent or malicious. XXXX told me that I have escalated as far up into Wells Fargo as I can so I am now asking for your help to intervene.

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 2022-08-07
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was scammed by someone on XXXX  I had a gut feeling something was going to happened and in the middle of it I kept saying how I was uncomfortable I was with it but they kept reassuring that it was ok after I sent them the money ( XXXX ) I told them to leave me alone and not to ask me for anything I thought I was going to be ok well flash forward to Monday XX/XX/2020 I get a notification from my bank saying some money was deducted I thought well it was probably from stuff I had bought from the day before but once I checked it I was negative XXXX my heart dropped and I wanted to cry my eyes out I immediately called my bank ( bank of America ) and they said they couldnt help I had to contact the person that I sent the money to well that person obviously had already blocked me by that point Im upset with myself for being this trustful especially when I have a 10 month to think about Im just absolutely gutted and keep beating myself up

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name : XXXX  XXXX Account # : XXXX In accordance with the Fair Credit Report Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how it that possible if the Balance Updated is inaccurate & the Status Updated is inaccurate, they also violated my rights under : 15 U.S.C 1681 Section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

15 U.S. Code 1681 e ( b ) : Which states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2019-01-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit card company was sold and changed owners, and also switched payment platforms. 

I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. 

I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. 

Terrible company and worse service!

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 2019-01-24
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing with XXXX, XXXX, Experian on XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are XXXX deficiency amount. The 3 accounts are Repression 's from XX/XX/2018 and are still reporting late payment days.

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 2018-03-01
Company: COMMERCE BANK
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:
Commerce Bank of XXXX XXXX sent to me, a replacement for my Visa Card which included a chip. It also included a debit feature which I did not request. I have used this card many times and sometimes, even though I specifically instruct the vendor to run it solely as a credit purchase, Commerce Bank treats it as a debit purchase which they deduct from my checking account without my knowledge or consent. Each vendor informs me that the vendor can not run it as a debit transaction without a pin number, which I don't have or use, therefore the vendor assumes it to be a credit purchase. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX, credit transactions were processed by Commerce as debit transactions without my knowledge or consent. After reviewing my statements and discovering these inappropriate transactions, I have contacted Commerce customer service and again, about XX/XX/XXXX, I appeared at the local branch to, again, inquire about these transactions. Each time the customer representative says that they have put in a request to remove the debit feature and each time it doesn't happen. I also sent to them, an email on their customer service page and got no response. I specifically told them that if they did not remove the debit feature, I would file a complaint, again, no response. Please process. 
On another issue, sometime last year, I visited my local branch and told the representative I was contemplating obtaining a credit card from another vendor because I wasn't getting any benefits like points. The representative informed me that I should have been getting points and when I told her I wasn't, she looked into it and now I'm getting them. Points awards should have been awarded retroactively to the time where points began to be awarded, I shouldn't have to inquire about benefits like points. Please process. DR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on the XXXX of XX/XX/2021 i attempted to open a high yield savings account with viobank.com. I again tried on 3 consecutive days. called the XXXX number they said try a different browser. I have tried 3 different browsers XXXX XXXX XXXX, and XXXX  no luck. If I had been successful and later could not access my account what good would it have done if I could not have gotten back to the account. The question must be what browser accesses your bank and can I be confident I can always access my account? it is very frustrating not to be told exactly what browser to use when asked why i can not open an account.

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 2019-01-24
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2019 Consumer went through onboarding process to open a savings account at Marcus.com. After disclosing all information the application was refused. No reason was provided. 
Consumer immediately tried to respond via email ( as part opening the online account Marcus.com sent a PIN as part of the verification process ). The email bounced and no alternative email was provided. 
Consumer Called customer service and requested disclosure as to why the application was refused. Request was not serviced citing privacy concerns and no alternative path to a ) either provide additional supporting documents or b ) reach someone who could help were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX made illegal purchases on my DiscoverCard totaling {$680.00} from XX/XX/2020 to XX/XX/2020. I do not have the products in hand and never received the service or product. XXXX XXXX scammed, conned, and did dishonest business practices in gouging me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me PHOENIX FINANCIAL SERV XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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: Experian Information Solutions Inc.
State: MD
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 in receipt of my Experian Credit report # XXXX, dated XX/XX/2020, and noticed inaccurate information more specifically addresses I had disputed with both Experian and the CFPB in form of formal complaints at least 25 or more times in the past 10 years had been reinserted back onto my credit report. According to the FCRA any disputed information removed from consumers credit reports can not be reinserted without prior notification from the credit reporting agencies. My current address as listed with every single creditor is XXXX XXXX, XXXX, MD XXXX. XXXX removed this address as my current address listed as former address. Experian refused to disclose who authorized the change or which creditor is reporting the wrong addresses. Under the FCRA the consumer is entitled to sources of which creditor/lender is supplying inaccurate information and afforded the opportunity to dispute the inaccurate information directly with creditor/lender. According to Experian they can not verify who changed the address or any lender currently reporting the incorrected address then continued to refused and remove the inaccurate information from the consumers credit report in direct violation of the FCRA.

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 2018-03-01
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I am writing this as I am writing a complaint about my private student loans from Navient. I have paid my loans on time for 5 years straight without seeing any type of impacting decrease in the repayment. I have asked to lower my interest rates that are ridiculously high and have been told no over and over. I have asked to be on a income driven repayment plan along with just paying interest and I have also been told no. 





I asked to have my loan payments be adjusted for a longer length of time to have my payments lowered and Navient has once again told me no. They have left me with no other alternatives but to only pay what I can each month. They have now affected my credit greatly and have refused every opportunity that I have asked them to help me with my situation. I have had to file for bankruptcy last year and they are still relentless on letting up on their repayment tactics. I am issuing this complaint in writing as I have no other alternative. 




Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: AL
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:
cfpd case # XXXX XXXX  XXXX case # XXXX date recieved XXXX XXXX i have tried to apply for a credit card that i was declined a credit card to re-build my credit and good faith has tried to do the right thing and was denied a credit and was discriminated against because not only because of the colr of my skin but it says in notice states that : the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex marital status, age, ( provided the applicant has the capacity to into a binding contract ) ; because of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the consumer credit protection act. beacause back to the fact at hand i am XXXX and i am on a fixed income because well fargo has caused me to believe that i am being discriminated against against because not only because cause of m y race and income wells fargo has lead me to believe that i have no rights at all because not only because of my XXXX but has caused me to believe to make me feel that i don't deserve to have nice things and i don't have a right to become sucessful just like them. and they speak on the consumers. and they will make sure that every consumer be treated fairly. but in my case i was not treated fairly and wells fargo has caused me and has lead me to believe that i don't 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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not make these inquiries I believe someone used my information. Which are reported on my Transunion report. 

XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX There is additional companies reported on my XXXX report. 

XXXX No contact info XXXX No contact info

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 2018-03-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Services states you are the back trust to a loan and the lender of investors. 
Ocwen has filed for foreclosure on the property using you as the backtrust linking XXXX a company I have not done business with since XX/XX/XXXX. The loan was sold to XXXX XXXX who was seized by the federal government. 

1. I am needing proof that you are the lender of the property as Ocwen is based in XXXX the foreclosure laws states they must show standing. They sent a transfer dated XX/XX/XXXX with C/O XXXX XXXX XXXX XXXX XXXX, As Trustee For Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX Now it seems as Ocwen is trying to collect off of an old company XXXX which is illegal due to they are not the original lender of the loan and it has been sold so many times per mers. I am needing you to show proof since the services keeps referring back to you as the investor/lender before you can foreclose on the property. You are not listed in any documents I have, nor are you listed in real property. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX  for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer. 

Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX  on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation