BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: WELLS FARGO & COMPANY
State: CO
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:
XX/XX/XXXX I initiated fte payment from my XXXX XXXX to wells fargo in amount of XXXX. It arrived into wells fargo on XX/XX/XXXX. They have placed a hold on the payment for 14 days they state amounts over ( a certain amount ) are held for 14 days before release into the account. This amount was removed from my XXXX acct and credited to wells fargo - they acknowledge having it but will not clear my account. I have escalated this to senior customer service at wells fargo none of whom speak clear english I never did get an answer as to why it takes 14 days or what the magical number is that then indicates they place your money into the hold. Wells fargo clearly have not learned anything from thier recent bad press about customer 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 non-monetary relief
Consumer complaint received 2021-08-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given a loan on my home that had accelerated interest attached to it. It was given as a commercial loan, This was not true. This is/was my home.

The interest rate is illegal in California.

They have added over XXXX to my loan causing me to go into foreclosure. HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/18, I was notified that my XXXX XXXX had been compromised and cancelled that card immediately. To be safe, I decided to put on hold my credit using the top 3 credit reporting agencies. I started with TransUnion. I went to their website and clicked on the option that I thought was right, Credit monitoring so I could freeze my credit. The screen took me to an input screen to enter my name, address, and identifying information. To the right was my credit score boldly displayed and I filled in the screen as directed and clicked " next ''. It asked for my credit card information which I thought was odd but decided this was a verification for the agency to ensure I was the right person as they had all my credit information on file. I completed this and continued to next screen. After finishing, I was informed I would have a recurrent charge applied and was shocked. Never did I agree to any amount and nowhere was it clearly displayed any recurring charges. I went back in to repeat the steps to see if it mentioned any charges. On the input screen where you enter 15 or so items about yourself in small writing on the lower right corner in an " advertising '' style box with a random photo of someone was " credit monitoring for $ XXXX/month ''. As most people, I ignore the ads on the right side of my screen and never thought small writing hidden in a box would be of serious importance. My attention was focused on completing the page and continuing. I called TransUnion and after sometime of explaining and reexplaining ( 5-10 minutes ) the agent said " I would no longer be charged anymore ''. I debated that I didn't want to be charged at all and all charges must be reversed as the page was deceptive and misleading. I explained that this was fraud to charge someone without clearly showing the costs involved but she ignored me and said wait and a few minutes later she said she would reverse the charges. I had to put up quite a fuss and spend excessive time to fight my way out of this charge. Other consumers will continued to be scammed by this poorly designed and clearly deceptive website. Folks who are not so wary and ready to battle for their rights. This needs to be changed. Not clearly identifying charges and no step to verify the charges is deceptive and misleading.

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 2018-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from XXXX XXXX XXXX that I had until XX/XX/XXXX to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/XXXX causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX  XXXX car insurance and XXXX was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/XXXX to XXXX  XXXX. I informed them with proof from The XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/XXXX and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/XXXX and received Monday XX/XX/XXXX. But every time I call XXXX they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning XXXX tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.

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 2018-09-10
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans were in the consolidation process. I had contacted all of my service companies but Navient kept sending late notices and adding charges. A hold/deferment was in place but Navient started reporting on my credit anyway. When I finally realized what was going on and saw that my near perfect credit score had dropped 160 points I contacted Navient. Contacting them has gotten me nowhere at all. I also found out that somehow I had a user account on their website that I did not set up. I had to call to get that cleared off but apparently it also cleared off all of the notes on my account so now when I call in they say there is no record of my deferment. My credit score is dropping every day and this is affecting my entire life, business and loans. I have tons of stress, worry and I do not know what to do. I have learned about the lawsuit but I just want my credit score fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never got a letter in the mail saying i owed this debt. I did write them a letter and they never responded 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 2018-09-10
Company: EdFinancial Services
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Apparently someone opened two student loans with my information in XX/XX/2015, I found be out about this information because within the last year or so they stopped paying the loan and then negative marks started appearing on my credit report. 

After attempting to have these items removed from my reports by contacting the company I was sent the supposed contract. This contract doesnt have my signature, but my typed name and also the references listed I do not know and the addresses are bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
I filed a complaint because I can not activate my US Bank ReliaCard and access any of my funds for which I have filed a dispute on because I was robbed or lost my cards a few weeks back and finally now I have a new card but they want me to send you guys a copy of me with my ID I was able to find my paper ID with the barcode and a clear picture of my name and my last address but because of all of this confusion I have been XXXX  so I'm hoping that the photos I'm sending you right now will work for verification process of who I am and would just like to access my funds that were taken from me and also I have already completed the ID me verification process through Colorado labor and employment services so that should be a form of my identity through US Bank ReliaCard as well because I have already been dealing with fraud for over a year now

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 2018-06-20
Company: Experian Information Solutions Inc.
State: NC
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 disputed the the account information with experian. XXXX XXXX certified that the information was accurate. Experian by federal law was supposed to do an independent investigation not just take the creditors word for it via computer system. The information furnished to experian by XXXX shows the violations .this account is breaking furnishers rules of the FCRA rules of the FDCPA .plus experian is willfully reporting this erroneous information with no care to my rights or federal consumer protection laws set in place to govern matters such as this

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 2017-11-06
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX-16 after being presented with a notice of default by OCWEN LOAN SERVICING, LLC I sent a Qualified Written Request for information, including but not limited to the true owner of the mortgage and note. This notice was signed for by OCWEN and completely ignored and now the foreclosure proceedings are in progress. 

Secondly, in a previous foreclosure attempt OCWEN LOAN SERVICING, LLC sent to me a notice indicating that my home was scheduled for a foreclosure sale, while there was no sale authorized or scheduled by the court in SC. After several written requests to verify this with OCWEN, they indicated in a letter that it was factual, my home was scheduled for sale and they would provide further details in a separate letter. This never happened. I sold most of my furniture and was left in a panic, only to find out that the case was dismissed by the SC court for lack of standing by the plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: CITIBANK, N.A.
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:
In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my Citibank business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with Citibank through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. Citibank refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.

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 2018-09-10
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had two accounts with XXXX XXXX ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was Crown Asset Management , LLC, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XXXX I received letters stating that my accounts had been sold to XXXX XXXX XXXX XXXX. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I started a lease with GM Financial. I put the lease payment on auto-pay so i can avoid late fees which is the reason for auto pay. It turned out it was only good for 6 months which is something i never heard before, and the representative i spoke with never mentioned that either. When the 6 months passed i was not reminded in any way that the auto pay is no longer there and my account was late for three months. I never got a single phone call from this financial company telling me that my account is past due and asking me why am i not making payments. My credit was perfect before i started the lease with this company and i had 100 % payment history ( i have 3 cars under my name and none of them ever gave me a single problem except for this one ). Also it shows different amount for the payment online and different amount on my paper bill. then i called them they didn't want to help me to remove the late payment that went on my score because of their system and told me it was my fault. i made the payments with the representative and then went and created a new auto-pay for another 6 months. Now I get another late payment on my credit score and my account is on auto-pay. So i do not know what the problem is with their system but because of them i have 4 late payments on my credit history which is bothering my business and my whole life because i get rejected from everywhere I apply. the amount is very little it is only {$140.00} dollars and some change ( which is really no problem for me to pay on time ) I have a lot bigger bills and I am always on time but because of their confusing system i have multiple late payments on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: NE
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 requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my Equifax and XXXX  as the amount they are requesting is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and Associates has called me nonstop for over a year, claiming I owe for a medical debt that I have paid off as a minor. In addition, when requested proof of debt I was told they do not need to supply me such documents. After this, I simply hang up. The most recent call was XX/XX/2018 at XXXX XXXX CST. Other calls after requesting not to contact and to only mail me proof of debt include : XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  CST, XX/XX/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 2018-02-24
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Dear XXXX XXXX, ( XXXX XXXX ) Hoping your doing well. 
I want to make sure that in all benevolent matters are resolved to provide me with clear title upon this request today. 

This was noted : None of the companies is the trustee or beneficiary of the deed of trust encumbering the above referenced property and none of the companies is servicing the loan secured by the deed of trust. XXXX XXXX XXXX XXXXl XXXX XXXX XXXX Now lets begin, please see the provided attachments for review, and 11 years now going through this..Well a whole lots of people are now aware of this. XXXX XXXX   XXXX As you maybe aware that a hard delete of the fraudulent deed of trust furnished with XXXX Grant Deed on Top left hand corner. Grant Deed was in XX/XX/XXXX. 
Closing Agent XXXX XXXX. Many have claimed under different loan numbers as well, there was never one void .... 
Much Gratitude, please provide your email to the email listed on this reply to my email thank you, with love and honor XXXX XXXX & California corp code as pertaining to corp lie in CA Corporation XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) Number : XXXX Date Filed : XX/XX/XXXX Status suspended Jurisdiction : California Address XXXX XXXX XXXX XXXX, CA XXXX Agent for Service of Process XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting harassing phone calls on my home phone XXXX XXXX and XXXX my home phone is unlisted and im surprise that they got my number my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my social XXXX i keep getting calls repeatedly from american express legal department their phone number is XXXX XXXX XXXX they keep calling me saying that i owe rhem money i told them that dont own anything and they have the wrong XXXX XXXX i have a common name .when i tried to blook my number they still call me on my phone also my home was was unlisted and they still got my number illegally and still harrass me different times of the day calling me from different telephone numbers. One on my kids gots nervous and stated to cry my XXXX years old daughter they ask her personal questions about me. I told them several times they have wrong person. Please tell them to stop calling me.

Company response to consumer: Closed with non-monetary relief