BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Click n' Close, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB good day Since XX/XX/XXXX, I'm trying to reach Click n close to check why my escrow statement doesn't match with the property taxes on XXXX XXXX 's web page. Also, the bank shows they sent 2 payments for property taxes on XXXX ( the first one on XX/XX/XXXX and the second one on XX/XX/XXXX ), and XXXX XXXX only received XXXX in XXXX. Now I'm in delinquency ( with interest and everything ) for the taxes of XXXX. 
I open a case with the bank 's customer service. In the beginning, they ask me to wait one week. I called every two days. No news, nobody checks the status of my complaint. I have never been in delinquency and is not good for me I have late payments with XXXX XXXX. 
I tried to reach any supervisor, but the bank never called me back. 

Also, I really want to speak with somebody at the bank. I want to know how much I need to pay now in order not to have a {$500.00} increase in my monthly mortgage payment for escrows. 

Also, why the bank is sending late payments for taxes XXXX on XXXX? Is this a regular situation? 

Thank you one more time- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2018 I was a victim of fraud, someone across the US was able to make multiple charges that equaled {$490.00}. Bank of America said they resolved the issue and closed the investigation. However, on XX/XX/XXXX, Bank of America decided to deduct {$280.00} out of my account throwing my account into the negative claiming they double credited me in XXXX for the fraud charges and they took the money because it was theres. I was never credited twice by them. XX/XX/XXXX my bank account was again hit with a fraud scam with the scammer deposited a fraudulent check into my account as well as accessing my account. Bank of America locked my account, which I had {$260.00} available in my account, threw my account to XXXX!!!! I have been calling and telling them I want this account closed because I was not being protected and they refused to close the account. XX/XX/XXXX at XXXX my account balance was XXXX, I called and told them to close the account and the woman told me she couldnt close my account because I had a deposit pending. I explained to her that the fraud department assured me that they took care of that fraud scam. She said there was nothing noted on my account about the fraudulent check!!! Right after I got of the phone with her I look at the account balance and it went from XXXX to - {$170.00} right after the call. Im tired of them stealing my money and not protecting my account. Ive spoke with numerous people and get no help and told its my fault!!

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 2019-06-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing purchased my second position mortgage in XX/XX/XXXX. I have been making extra payments to principal since that time. SLS seems to be charging excessive interest since this time, as my current balance is much higher than it should be. I have called SLS and talked to XXXX ( 3rd level ), XXXX and one other person on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, these employees promised a cash analysis ( showing how my payments are recorded by SLS and how interest is charged ) would be sent to my home address within 5 business days. I have not received any such document from SLS as of XX/XX/XXXX. I will pay off the mortgage immediately ( as I don't trust SLS ) but the balance is much higher than it should be do to excessive interest charged by SLS and they will not show any justification. I attached tax statement documents from them that show erratic interest charges. Such as {$2100.00} interest paid in XX/XX/XXXX, {$0.00} in XX/XX/XXXX ( no document sent to me for that reason according to SLS ). {$1500.00} in XX/XX/XXXX and then {$6500.00} in XX/XX/XXXX. These widely different interest paid amounts on these tax statements make no sense. SLS is cheating me and then lies to me on the phone when I ask questions of them.

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 2023-01-10
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, 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 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a Loan Forbearance from my loan servicer Wells Fargo Bank starting on XXXXMy Forbearance lasted 12 months due to my lack of income during the peak of the Covid Shutdown cause my work wasn't deemed essential. I was told by Wells Fargo Bank these missed payments would be added to the end of my loan. Upon calling Wells Fargo Bank after the 12-month Forbearance to resume making my regular monthly payments I was told they needed new Financials and if I couldn't pay the {$54000.00} in full I would have to do a loan modification. I've done ( 4 ) loan modifications since my 12- month Forbearance expired and they have all been turned down with no explanation. I've been sent Foreclosure Letters and Sales dates during ( 2 ) different modifications. I've contacted XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX and paid for legal advice and help because of predatory lending practices from Wells Fargo Bank. Even to this date they are contacting me about help/ work out options just to string me along to Foreclosure on my house. It has become increasingly clear they have no intentions of modifying my loan, they just want to Foreclosure on my house. Attached is ( XXXX ) years of correspondence between me and Wells Fargo Bank and there Predatory lending practices.

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 2018-11-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Had no problems when this was XXXX XXXX credit card once store went out of business ( XXXX  XXXX  ) took over the credit card nothing but problems since.I Pay my credit card off every month not everyone can do this so I warn people of this fraudulent practices by ( XXXX XXXX  ) made a purchase onXX/XX/18 got bill in mail due date was on XX/XX/18 I Mail all my bills out at least a week before due date .my payment was received onXX/XX/2018 got an email stating that it was paid on this due date XX/XX/2018!!!! when I got my next statement in mail on the week XX/XX/18 I had a late charge and finance charges because someone in their customer service department or billing department put XX/XX/2018 as the payment date so I called customer service on XX/XX/2018 and told the customer service the situation and I  stated that it was paid on the XXXX not the XXXX and it must be human error on the typing but customer service did not want to hear this went in one ear and out the other so they took off the late charge also at this time on phone I canceled my credit card with ( XXXX  XXXX. ) When I got next bill in the mail they left the finance charge on Bill statement for no reason but ( XXXX  XXXX ) human error mistake so ever since then my finance charge and late charges have been occurring and I have been getting harassing calls on my two phones 4 to 6 times a day for their mistake this could've been resolved back in XXXX so fair warning to anyone that deals with ( XXXX  XXXX ) corrupt and fraudulent charges maybe put on your bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a coinbase wallet. I bought there over the XXXX XXXX XXXX the following small cryptocurrencies for approximately XXXX XXXX XXXX : 1 ) XXXX  2 ) XXXX XXXX ) XXXX XXXX  XXXX  ) XXXX 5  ) XXXX  6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX  9 ) XXXXXXXX  I want to swap this cryptocurrencies back to XXXX XXXX XXXX XXXX. So I made a swap from XXXX into XXXX of a small amount to test if everything works with the swap into XXXX. I made the swap over XXXX XXXX XXXX in my coinbase wallet. XXXX told me that they can see on XXXX  that I actually received XXXX  for the swap. But I can not see the XXXX  on the coinbase wallet. So XXXX told me : This is an issue with Coinbase not allowing users to send XXXX tokens directly to an XXXX  address ( pretty much all other wallets allow this ). To fix it, you'll need to contact Coinbase support, and have them transfer the XXXX  to the actual designated XXXX address in your Coinbase wallet. 
You will also need to give XXXX this link to the transaction ( as proof ) : XXXX XXXX XXXX Since they are in your Coinbase wallet ( but just not viewable ), only Coinbase support can make them available to you.

But the problem is that the Coinbase support never answers. I contacted them very often over their mail. So I will have the same problem when I swap some more of my XXXX XXXX XXXX  in this Small cryptocurrencies into XXXX  that I will not see the XXXX  I actually receive in my wallet. For me it is so much money and I want to have access to it again in the wallet. I think Coinbase should get forced to solve my problem or otherwise let their insurance pay me my money back. Coinbase did not tell me about the problem before I bought the small cryptocurrencies. So they did not give me enough information about their internal problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XXXX I RECIEVED A PHONE CALL FROM MY DAUGHTER INFORMING ME THAT DIVERSIFIED CONSULTANT INC WAS CALLING HER PHONE TRYING TO GET IN TOUCH WITH ME. SHE STATED THAT THEY CALLED HER 3 TIMES IN A SPAN OF 10 MINUTES AFTER SHE TOLD THEM I WAS HER FATHER AND THAT SHE WAS NOT GOING TO GIVE THEM MY NUMBER. SHE TOLD THEM SHE WOULD ASK ME TO CALL THEM. I CALLED THEM AND SPOKE TO XXXX. SHE STATED THAT I OWED A XXXX BILL. I TOLD HER THAT WAS NOT TRUE AND THAT SHE IS NOT TO CALL ME ANY MORE. THAT WAS AT XXXX CST. LATER IN THE DAY AT XXXX THEY CALL ME AGAIN. I ASKED THE PERSON IF IT WAS DOCUMENTED IN THE SYSTEM NOT TO CONTACT ME AND THIS PERSON SAID YES. I THEN ASKED WHY ARE YOU CALLING ME? SHE COULD NOT ANSWER MY QUESTION. I ESCALATED THIS TO THE COMPLIANCE OFFICER AND SHE WAS NOT MUCH HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EQUIFAX, INC.
State: NV
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 was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX , XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX , XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX {$59.00} XXXX XXXX  XX/XX/2019 {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: MI
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 am tired dealing with the same thing. The bureaus have a inaccurate, unverified and fraudulent public record on my consumer report. I have tried to fix this matter on at least 3 different occasions. I have contacted XXXX XXXX and they removed it ( See attached files ). I have contacted the court and they said they dont report info to the bureaus ( See attached ). Lastly I filed a complaint with the FTC ( see attached file ). I am really exhausted at this point.

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 2023-05-11
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
The credit companies are not complying with their own policies in a timely manner. 
Account XXXX. XXXX XXXX XXXX {$850.00} Account XXXX. XXXX XXXX {$800.00} Account XXXX. XXXX XXXX {$700.00} Account XXXX. XXXX XXXX Ive sent Several dispute demanding proof of investigation, and these credit companies have broken tons of laws!

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 2021-08-08
Company: Experian Information Solutions Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through Experian but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right 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 non-monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: NJ
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 30 days late report from XXXX XXXX financial department to all my credit bureaus, tis report came in 50 days ago, since then i have received letter from the creditor that i have provide it to all the bureaus, the letter is stating that was no 30 days late on my XXXX   lease. 
XXXX XXXX finances provided information to all the credit bureaus notifying them of the error, and yet my credit report was never updated in all of the bureaus. 
Please help me, thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Tate and Kirlin Assoc
State: AR
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: Problem with personal statement of dispute

Complaint:
I am disputing about 5 credit accounts that I found out I had on XXXX I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with Tate & Kirlin Associates , Inc . 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.

Company response to consumer: Closed with explanation