BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is lodge against Wells Fargo for refusing to review the file that was submitted by XXXX XXXX XXXX  that i have retained to represent me regarding home modification, Wells Fargo intentionally denied, obstructed, and mislead pertaining to modification application that was submitted, i was informed by XXXX XXXX XXXX that Wells Fargo will not review the modification file nor stop foreclosure sale because its less then thirty-seven days from foreclosure sale which is XXXX XXXX, myself and the law Firm attempted to reach out to executive department without any recourse, This modification was initiated resulting from hardship from Auto collision on XXXX XXXX, please see attachments regarding chronological events ... ..since the beginning we have been trying to save our home from foreclosure since XXXX, I have lost significant time on my job because of my wife 's auto accident, that resulted in lost mortgage payments and falling severely behind we have been trying to get modification for three years. Wells Fargo appears to be driven to put a family out on the streets, i ask this noble institution to rescind foreclosure sale and modification to proceed.

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 2023-11-05
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home loan mortgage is currently under the COVID 19 forbearance program. It expires in XXXX. Per the cares act - I am entitled to ask for an additional 6 months. Bank of America is not allowing my request to be processed.

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 2023-11-01
Company: Chime Financial Inc
State: CA
Product: Credit reporting 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:
I AM A VICTIM OF IDENTITY THEFT. I AM A VICTIM OF XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO.

5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX XXXX XXXX A Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/202XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXXXXXX Reported XX/XX/ XXXX XXXX Reported XX/XX/XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/2023 THE BUREAUS Reported XX/XX/2023 XXXX XXXXXXXX Reported XX/XX/2023 XXXXXXXX XXXX  Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/20XXXX XXXX XXXX  Reported XX/XX/202XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2023 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,

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 2018-10-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i was supposed to be enrolled in the income based driven repayment plan which was set at XXXX dollars.It was then removed for whatever reason and i called in and spoke with a representative around XXXX or XXXX letting them know that i would be enrolled in school as a full time student, so what process did i need to take to get the in school deferred plan. i was told it would update automatically in the system but if i could inform my school officials to update it immediately that would also help. i spoke to my school officials in XXXX and they also stated it was automatic and it would update my first day of class. since then i have still been receiving loan docs for payments from navient, even though i am in school. i spoke with a representative today ( XX/XX/18 ) his name was XXXX and he said they still could not see anything in their system.This is actually the second time this has happened where i was supposed to have an in school deferred loan and it was not placed by navient. it is destroying my credit because they have it on there showing late and it has been on my credit even when i am supposed to be in deferred status

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I mobile deposited a check XX/XX/2023 and a 10 day hold was placed on it. I have worked for the same company for over a yr. during which time i receive a paycheck every 2 weeks and deposit it, with no issue. I have had my account for at least 10 years with a positive and solid balance and never had any issues. I have had a few overdrafts, but this is a PAID service that is offered by the bank, this is not a penalizing issue, this is a servce i PAY for, for which the bank is happy to take my overdraft fees. The reason given for holding my check for 10 days ( an entire pay cycle ) is that i have had overdrafts on my account. This is not a relevant reason to hold my deposit, the check is good, i have deposited at least 25 identical checks with NO ( XXXX ) issues with them. My account is beyond good standing and has been so for at least 10 years, which should be a non-issue as well, the check is good, it should be available in a day. No other factor besides the check being " good '' should factor into holding my deposit. me using a PAY service should not hamper my ability to access funds from my account, unless my account would still be negative AFTER the deposit, which is not the case here, i will be positive over {$3000.00}.

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 monetary relief
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed the late payment status reported on XXXX XXXX XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX & XXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-06-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2020-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
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 previously filed a complaint with XXXX  that XXXX & USAA are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, XXXX  claimed I disputed the XXXX n & USAA 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves XXXX  NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided XXXX  with documents directly from the IRS confirming both XXXX  and USAA filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to XXXX, XXXX  or XXXX. Both XXXX and USAA lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, USAA had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance USAA was reporting and continually verifying as accurate, by their own omission was NOT accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have provided all three bureaus copies of my report filing from where someone stole my personal information and obtained credit in my name without my knowledge. To date the bureaus have not removed these items as clearly required by law according to my attorney. They have also not provided details of how they claim to verify these items even though we have requested these details several times now. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Fair Credit Act 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 

These are the accounts in question : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account XXXX XXXX. XXXX Account 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 non-monetary relief
Consumer complaint received 2022-03-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been locked out of my account and refuse to restore my login information can't see charges or bill to pay or dispute due to online account locked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Savings account been blocked since XX/XX/2023. I contact the company on XX/XX/XXXX and they ask for a utility bill, social security and license which i sent to them so they could unblock the account in about 72 hours. After that time i been trying several times to try to solve the problem. They keep giving excuses that the person in charge of solving my problem was out or that i have to be on a waiting list to have this problem solve. On XX/XX/2023 i called again and they say my utility bill wasn't good because it was a screenshot from my phone. I ask if i could send my rent agreement as a proof of residence because i dont have anything else under my name and they say yes so i did. I call again on XX/XX/2023 to see if they received my document and again they say that i have to send another bill that have a account number on it. Please i need help solving this problem. 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 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been unsuccessful having Bank of America apply my lump sum mortgage payments appropriately to payoff the loan in full, stop being charged interest and receive the balance of my substantial escrow funds. Ive attempted on at least four separate occasions starting approximately XX/XX/XXXX to get an accurate payoff, after which I sent funds in excess of the amount required only to find that the funds were misapplied to a suspense account-effectively putting them in a XX/XX/XXXX account while B of A collects interest on my money. Each time Id get a new bill with an outstanding balance. And each time Id call back, ask what happened- B of A would say sorry, they didnt know where to apply the funds, theyre in a suspense account, Ill have it corrected, but you still owe {$890.00} Id send the new payoff. The next call, when the funds werent applied, went the same path with B of A apologizing for misapplied funds that went to a suspense account followed by a new payoff quote of {$10.00}. Undeterred I went to my local bank and wired {$100.00} ( 10x what they requested ) as per their wiring instructions. Again B of A promised resolution, payoff and my escrow funds. They got it wrong again. Instead of a payoff and funds I got a new bill with a $ XXXX balance. Im on the phone with B of A as we speak on XX/XX/XXXX. Guess what, same apology, same suspense, misapplied funds explanation saying well get it corrected, well give you proof of payoff and balance of escrow. I have zero faith this will be accomplished. My request : please get me proof of payoff and escrow funds, retro to my original request, along with any accrued interest. 
Please consider conducting a full audit of B of A servicing and control practices. If this is happening to me, a long term client ( who has never made a late payment ) Im fairly certain, other clients funds are being misapplied, mismanaged, perhaps costing clients hundreds of thousands of dollars in aggregate

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 2019-06-06
Company: Experian Information Solutions Inc.
State: OH
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:
We leased a car from XXXX in XX/XX/XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XX/XX/XXXX we called the dealership and let them know we wanted to lease another  car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations XXXX Late 120 EXPERIAN CHARGE OFF XXXX Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges

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 2023-07-12
Company: EQUIFAX, INC.
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:
In accordance with Fair Credit Reporting Act, 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 XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief