BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: BB&T CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Mortgage was sold by local financial institution, XXXX, to BB & T. I have accounts and electronic banking with XXXX. Not a customer of BB & T, other than now forced to be for mortgage servicing. Have tried unsuccessfully to enroll in online banking for BB & T, thus submit monthly mortgage payments via check with BB & T issued deposit slips and envelopes. There are no BB & T locations within 50 miles of me ( vs 24 locations for XXXX ). It seems to take ~5 days for mail correspondence between myself in CT and BB & T in NC. 

My XXXX mortgage check bounced, unbeknownst to me ( explained in attached letter ). There was no indication, other than ( in hindsight ) a {$25.00} NSF fee posted to my bank account on XX/XX/XXXX. The check had been mailed the first week of XX/XX/XXXX. 

BB & T did not notify me until XX/XX/XXXX of the issue. At that point, it was already 30 days past XX/XX/XXXX due date ( alternatively, since the mortgage isn't late until after the XX/XX/XXXX of the month, you could also argue that it is not yet 30 days late since a payment was made on XX/XX/XXXX, before XX/XX/XXXX ). 

BB & T notified me of the declined payment on XX/XX/XXXX, at which point I immediately addressed the issue. In fact, I had already mailed a regular monthly check on XX/XX/XXXX ( since I was unaware of the issue ), which BB & T processed on XX/XX/XXXX ( the aforementioned XX/XX/XXXX payment. 

BB & T reported the delinquency to credit agencies on XX/XX/XXXX, despite, at that point, being caught up given the XX/XX/XXXX payment. I continue to receive mail correspondence from BB & T, all with different balance due amounts, foreclosure documents, etc., clearly illustrating that BB & T 's processes are lagging. BB & T is not meeting the standard of mortgage servicing that was agreed to with original loan underwriting. It was not possible to rectify the payment issue within a 30 day period given the lag of communication.

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 2019-07-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon receipt of my credit report I began the dispute process with my creditors and the credit bureaus. About all the negative items listed on my file. Each time a dispute was made they came back to state it is valid and I am responsible for my debt within their company. I have submitted a police report, identity theft form, Identification, and documentation stating I was incarcerated at the time these accounts were being used fraudulently. I believe they are discriminating against me. I have spoke with their investigation department numerous of times and provided all the documentation needed to show that I am a victim of Identity theft and yet they still fail to remove the late charges and the negative reporting and the balance that's reflecting on my credit report. This is a violation of the FCRA sections 607 ( b ), 611 ( 1 ) ( A ), 611 ( 5 ) ( A ) ( i ), 809 ( b ). 

I am disputing Synchrony Bank Walmart - Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3700.00} I am disputing Synchrony Bank Value City-Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3100.00}

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 non-monetary relief
Consumer complaint received 2018-08-03
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, XXXX XXXX, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.

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 explanation
Consumer complaint received 2019-01-08
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been given incorrect information numerous time about my auto loan with GM Financial. I was collected upon when a payment was not due yet. I was told the due date was changed from XX/XX/XXXX to XX/XX/XXXX. I continued to call to verify with their automated system, live agents, and their corporate complaint line and even social media complaint line. I was current on my loan as of XX/XX/XXXX. The due date was changed and verified to be due on XX/XX/XXXX. I am now getting emails from them stating my account is past due when it should not be. I have not been sent any paperwork I requested for a due date change in writing. My statements do not accurately reflect the pay history as they state a payment was returned when I show it is posted. These are the outgoing calls I have made include the following in regard to the complaint. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX call made at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I advised XXXX the social media complaint agent to call my cell phone today with no answer. I also called for a manager call back again and I am getting no service from this company. My complaint and my loan are not being serviced. I have been given conflicting and wrong information on nearly every call I placed. There is no consistency. I feel like I was lied to and strong armed into making a payment that wasn't due yet and when it was collected, I was told my due date would be changed based on being current and is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
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 XX/XX/XXXX I received an email regarding a purchase confirmation on my XXXX account. I di not make this purchase so I immediately looked at my checking account with Regions Bank and saw this charge as well as two charges to XXXX for purchases that I did not make. I called my bank and notified them that my card and accounts had been compromised. At this point, only one transaction had cleared and two were still pending. They opened a dispute for the charge to XXXX that had cleared but told me that I must wait until the two pending charges had cleared before I could open a dispute for those two. On XX/XX/XXXX I was charged an NSF OD fee of {$72.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$180.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$36.00} and on XX/XX/XXXX a paid overdraft fee of {$140.00}. All these charges were a result of the pending fraudulent charges on my account because my previous made charges were coming through while these pending amounts were still there. I contacted XXXX who was able to refund one of the charges on XX/XX/XXXX ( 6 days after the charge was made ) On XX/XX/XXXX I was able to dispute the two charges that had been pending for 5 days as they had now cleared. I contacted my bank again to dispute these charges. I received notice from my bank on XX/XX/XXXX that they did not find the first charge to XXXX fraudulent. I faxed in a login history for my XXXX account showing login attempts in XXXX, XXXX, California, and several attempts to change my password. I then received notice from Regions Bank that they would not refund the two fraudulent XXXX charges even though I sent in the order confirmations where the hacker was ordering mattresses and shipping them all over the united states because they said XXXX refunded them to me. XXXX refunded one charge only but this was 6 days later. I visited my local branch on XX/XX/XXXX and explained what ws going on and provided all documents supporting. The branch employee told me that everything is done through a computer system and that is likely why it was denied. I have not heard anything since. I am now out {$640.00} betwen the thieves online and the thief, Regions Bank. I should not be charged {$430.00} in NSF overdraft fees from my bank that were a result of identity theft. I am the victim! I have contacted the XXXX Police Department to file a report but was told I would need an affidavit from my bank. PLEASE HELP!

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 2020-06-24
Company: Experian Information Solutions Inc.
State: NC
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'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2019-07-09
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
loan care mortgage took over my loan from XXXX on appx. XX/XX/12019 since then i have had nothing but problems with them. newest problem is they lost my payment of XXXX i sent to them on XX/XX/XXXX cashiers check to exact address they said. now they said i sent to a p.o. box in wrong state. I cant get a hold of them .you wait over hour to talk to a totally uniformed agent, who will hang up on you as soon as you ask a question they cant answer. i am XXXX years old and worried they are trying to steal my home. please help.

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 2019-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX my SS # XXXX my DOB id XX/XX/XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX , XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several months ago, ( I do not have the exact date ), I tried to close my Wells Fargo Checking and Savings Accounts. I was told that they would be closed. This was a telephone call. They would not send me my money and they would not allow me to do a bank transfer so I took as much money as I could with my debit card from an ATM Machine. I was told to shred my debit card and I did that months ago. 

Recently, two people by mistake made two separate deposits into my supposed closed Wells Fargo accounts. The amounts are {$600.00} and {$150.00}. Wells Fargo will not give them their money back and they will not give the money to me. I have spent hours on the phone to no avail, I can not close the accounts and I can not get my money out of it either and neither can the people who deposited the funds. I was on the phone today for several hours and the same situation prevails, I can not close the account and I can not get the funds out. 

I live in XXXX XXXX XXXX XXXX and can not go to a teller at a Wells Fargo bank to do any sort of transaction. For me to fly from here to XXXX would cost me over a {$1000.00}. All I want to do is close that account and get my money out of that bank. 
Regards, XXXX 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 explanation
Consumer complaint received 2018-01-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan on XX/XX/XXXX and after calling to see how long it wold take to receive the title I was given different answers every time I called from 2-3 days, 7-10 days to 15-30 days. I called at least twice a month since I paid it off and as of today I still have not received it or the payoff letter that they said I was supposed to receive. The last conversation I had was XX/XX/XXXX and was told by XXXX ( she would not give me a last name or operator number ) in the " Resolution Dept. '' that she would resend the payoff letter that I should receive in 7-10 days and that they would send me a duplicate title which would take an additional 2-4 weeks but they would send it XXXX. She told me she would call me today at XXXX to confirm everything but I did not hear from her. The case number is # XXXX. I asked her to let me know how many times I had called and she said she could not look up the calls unless I gave her specific dates that I called even though the people who I spoke to in " Customer Service '' seemed to be able to pull them up on their computer when I spoke with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to Experian, XXXX XXXX, and XXXX. In XX/XX/2014I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX cents. I was moved out on the XXXX which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.

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 2019-07-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wanted to cash out {$14000.00} and put it into my safety deposit box at Wells Fargo. I cashed out {$14000.00} from my saving account. Two Wells Fargo employee went to the vault to get the {$14000.00}. They came back with an envelope and handed it to me. The receipt showed the {$14000.00} withdrawal and I put the receipt inside the envelope. 
Immediately after, another Welles Fargo employee escorted me to safety box deposit box, where I put the envelope that they handed to me inside my safety deposit box in front of the Wells Fargo employee. Then I left the bank. 

Two weeks later, I return to the bank to retrieve the money and open CD with Wells Fargo. I got the envelope and brought it to the Wells Fargo Representative. The Wells Fargo Representative counted the money in the envelope and told me there was {$4000.00} in the envelope instead of the XXXX I had received from the Wells Fargo employee 2 weeks prior. Please note this envelope never left the Wells Fargo facility from the time I withdrew the money until I wanted to reinvest it into the CD.

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 2020-10-08
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: Their investigation did not fix an error on your report

Complaint:
In an attempt to clean my credit account with the 3 major credit bureaus. I filed disputes with ( XXXX  ) ( XXXX  ) and ( Experian ). 

XXXX  : was very helpful in removing a bankruptcy that was dismissed and had several inaccuracies. 

XX/XX/XXXX: unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period. 

Experian : unfortunately never properly investigated this matter and refused to remove it before the 7year suggested period.

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 2019-01-08
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2016.

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 2019-01-08
Company: Conn's, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CONNS with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 XXXX XXXX charged me {$1100.00} for moving services. It covered moving with insurance to cover damage. Damage occurred and the company did not cover it. After contacting the company several times to resolve the issue. I contacted Chase to file a claim to return my funds due to XXXX performing part of the full service paid for. Chase incorrectly recorded I was not happy with the services instead of what happened and influenced Visa 's decision to not return my funds.

Company response to consumer: Closed with monetary relief