BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX, I reported to Wells Fargo, XXXX and XXXX that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. Wells Fargo checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and XXXX at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling Wells Fargo about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX  showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: CASHCALL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This is a " Predatory Loan '' I 'm finding out. Unfortunately the hard way. I received this loan on XX/XX/XXXX for {$10000.00}. Which at the time they took approximately {$500.00} in fees. For a total of {$10000.00} deposited into my bank account. It is now XX/XX/XXXX I have not missed a payment and have paid on time each month. My current payoff balance is as of XX/XX/XXXX {$10000.00}. Each month my payment is minimum of {$840.00} and maximum of {$850.00}. I have currently paid over {$16000.00} to Cashcall with no apparent end to this loan in sight. Extremely high interest rate 99.75 % I NEED HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: QuickClick Loans of Illinois, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have made over {$1600.00} worth of payments on a {$3000.00} loan as of XX/XX/XXXX, monthly payments of {$300.00} and one month {$400.00} payment. My current balance is over {$3300.00} and I don't feel this is legal. I was informed that my interest rate is 116 % and I have asked for some type of relief and I see know end in sight for this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX Experian received a dispute where i was disputing a bankruptcy. On XX/XX/XXXX I received a letter back from Experian stating that my bankruptcy was deleted completely off my report. On XX/XX/XXXX they mailed a letter stating that the item was updated from their processing of my dispute in XX/XX/XXXX. I have not submitted a dispute since XX/XX/XXXX. They have commited fraud and is in violation by adding the bankruptcy back without notifying me within five days and also lying about me disputing the item in XX/XX/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 2019-04-11
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On more than one occasion my bank ( Chase ) has charged me multiple overdraft fees towards my account. And it has to do with the way they process charges as they hit my account. They will take the largest item first, which will overdraw my account, and then charge smaller items afterwards. Back on XX/XX/XXXX, this very same thing happened. We had a balance of {$130.00} and I had 3 charges come in to my accountone for {$350.00}, one for {$69.00} and another for {$46.00}. The bank ran all of these in that order and subsequently charged me 3 overdraft fees in the amount of {$34.00} each. When I called to complain about this practice they said they do it that way because they feel that larger items are more important items like house payments, car payments, etc. The bank has reimbursed us before for this practice, but told me this is a one-time courtesy and will not do it again. 
Had those charges been done in reverse order, we would have had only one charge. In my opinion, as well as the rep from your agency, this is a shady business practice and a way for a bank to make more money off of people struggling to make it through until payday!! 
And this continues to happen to this day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer in the gross amount of {$10000.00} ( {$9900.00} net after fees ) to my XXXX XXXX checking account on XXXX XXXX, XXXX. A domestic wire transfer should typically be completed same day or next business day. It is currently XXXX XXXX, XXXX and I have not received my wire nor a response from Coinbase. I have not been able to pay my rent as a result and am facing eviction charges. Furthermore, Ive been charged several overdraft fees from my bank, and I can not see a doctor for a XXXX XXXX that I have developed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: GA
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:
I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXXXX/XX/XXXXand XX/XX/XXXX XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do.XX/XX/XXXX promptly and professionally removed the inquiries in question but Equifax and XX/XX/XXXX have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both Equifax and XX/XX/XXXX individually if they contact me so I can list them. 
Additionally, Equifax just lowered my credit score 57 points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have an XXXX credit card through US Bank that was sold to me by one the XXXX stores in XXXX. The advertising for the card promises 1 % rewards for non XXXX products and 5 % for buying XXXX products. I have spend over seven thousand dollars on the XXXX MasterCard and when I called US Bank 's servicing department they told me that, without my dividend from being a member of the XXXX XXXX XXXX, that I only had XXXX dollars in rewards points. After I argued with the representative she then said when you add my normal, non credit dividend with my XXXX dollars of rewards points that I was owed XXXX dollars that would be paid in XXXX. The math for the amount of money I spent compared to how much my rewards were doesn't make sense. I'm owed at least XXXX to XXXX dollars of rewards points with my dividend. US Bank is stealing rewards points from customers by underpaying them during the time they award dividends. US Bank also doesn't allow me to view rewards dollars on my online 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 2019-04-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I do not have record of every transaction over the past 8 years but Sallie Mae and Navient are wrong every single time. I continually speak with them on the phone and I receive inconsistent information regarding my loans. They ask for money, I give it to them if I can, they will tell me I am current until next month. Usually a couple of days later they call and ask for more money. I am not sure if this is a commission based job as debt collectors and it benefits them to deceit others in this way but it happens often, and if they are not calling me they are calling my co-signers at the same rate. I went to school in the college of XXXX and passed all of my XXXX, XXXX, and XXXX classes with flying colors usually leading a study group helping other to pass the classes ; point being, I have an understanding loans but I have never known my own personal lending situation ever in the past 8 years. I give them well over 2/3 of my income most years and my principle balance keeps going up every year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm involved in the XXXX security breach. I'm trying to put a lock on my account with all 3 credit reporting agencies but Experian is the only one that won't let me. Why is this? Why can't I protect myself?

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 2019-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is attempting to foreclose on my home with fraudulently assignments. The assignment was created after the cut off date of the pooling an servicing agreement filed with the SEC I have submitted a QWR and requested proof of claim. I have not received a response to my request date XX/XX/2019 XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX car insurance. Company sent me a letter they where canceling my policy because I could not obtain the last 5+ years of a prior insurance company. Once I received notice XXXX was dropping me I obtained auto insurance elsewhere. XXXX then requests proof I had coverage. I mailed it to them but it appears they overlooked it and was upset I left them. Now XXXX turns this bill over to this collection office. I am now currently in the process of filing a civil lawsuit for damages against XXXX and Credit Collection Services. Service of the suit will be received soon to both parties. Posting this to my credit reports has impacted my scores and caused damage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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:
On XX/XX/XXXX, I reported to XXXX XXXX, XXXX and Equifax that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. XXXX XXXX checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and Equifax at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling XXXX XXXX about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a Capital One customer since 2016 and during that time, I have enjoyed my experience with Capital One greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to XX/XX/2016. Since that time I have been an exceptional customer paying early every month and have been rewarded by Capital One with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Capital One is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Capital One. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital One has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my derogatory accounts and when I disputed them to have them remove from my account they werent and I was told that I still had the debt which was paid. 
I also downloaded the paid receipts from those companies that were paid off and got a letter back saying my information was 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 2018-01-12
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX filed a lawsuit to collect on a charged off credit card. To avoid a judgement, I called Midland on XXXX/XXXX/XXXX and agreed to settle the debt out of court for {$550.00}. {$300.00} was to be paid immediately and the remaining balance of {$250.00} was to be paid within 30 days ( XXXX/XXXX/XXXX ). I was told I would be sent a document to sign and return ( which I still have not received ) and upon making the last payment, I would be sent a letter staying the account had been paid in full. I made the first payment on XXXX after verifying on their website that the amount due reflected the agreed settlement amount, then made the final payment of {$250.00} on XXXX XXXX, XXXX. At that time the account balance was correct and should have showed a {$0.00} balance once the payment cleared. I checked the account on XXXX to ensure the payment had posted and found that they were then showing a balance of {$130.00}. I thought it may be a glitch so I waited another day and checked the account again only to find they were now claiming I owe a balance of {$230.00}. In addition to adding additional charges to my balance, they also made changes to how my payments had posted. Where there had only been the 2 amounts ( {$300.00} and {$250.00} ), the payments had been split up into smaller amounts and 2 additional amounts had been added showing a posted date of XXXX/XXXX/XXXX, which was not on there previously ( I have screenshots to verify this ). I have filed a dispute with midland but have not heard anything at all from them. The hearing for the suit was rescheduled to sometime in XXXX, and this needs to be corrected before that time. I do have a screenshot of the payment confirmation page from when I made the final payment stating that the payment was succesful and even says at the top it was for the balance in full ( though it does not show the actual amount paid, I do have proof of the amount I paid that day )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland debt collection agency has called me everyday for the last month looking for someone named " XXXX ''. They continued to call even after I told them that I was not XXXX. Twice they used *67 to block their phone number so it would say restricted, then would ask for XXXX when I answered. They also spoofed their number on multiple occasions. My number is on the federal do not call list and they continued to call after I informed them of this. They calls started onXX/XX/XXXXand continued everyday across multiple different numbers sometimes multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I had {$2300.00} something showing as my balance someone deposited {$510.00} into my account instead of it increasing by that amount it decreased. This is with Cash App they have no phone support at all they say I should msg them on the app i sent them many messages only got a few responses basically telling me to download my statement at cash.app i did so and will attach it below according to them they stole money from me i told them to add it up themselves they don't respond to that at all nor do they respond that it doesn't match exactly the history in the app itself

Company response to consumer: Closed with explanation