BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased this savings certificate (XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX) in the amount of $XXXX on XX/XX/XXXX for my son, XXXX XXXX at XXXX XXXX XXXX in XXXX, PA. Certificate #XXXX. Since the purchase of this savings certificate, the bank has undergone many mergers: •	XXXX taken over by XXXX XXXX•	XXXX taken over by XXXX XXXX XXXX XXXX•	XXXX taken over by XXXX XXXX•	XXXX taken over by Wells FargoI have the original savings certificate which is a certificate that is an auto-renewal certificate in which the interest is capitalized annually. It states on the certificate that it is payable only upon presentation of the original certificate, which I have in my possession and have never presented it for a cash out.I have been speaking to XXXX XXXX at Wells Fargo Bank who has been assisting me to redeem this certificate and I’m told that they cannot cash it because they do not have any record of it, which they should. We have had a continuous account with all of these banks over thirty years and still maintain an account with Wells Fargo. They should have a record of my certificate and be able to cash it on its redeeming date. I have demanded payment with interest for this certificate upon its renewal.

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 2017-07-31
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage company is involved in fraudulent appraisal practices. I recently requested to have my PMI removed and they denied my request because THEY claim that the value of my home has dropped by 10 % in the last 9 months even though I have 2 recent appraisals and a 3rd party website that show otherwise. The company is stating that they wo n't remove the PMI from my home because it is only worth {$350000.00}, according to THEIR appraisal. However, I purchased the home in XX/XX/XXXX ( approximately 18 months ago ) and used RoundPoint Mortgage for my loan. I had to get an appraisal done at that time, and the appraisal came back at {$390000.00} ( appraisal attached ). Then I refinanced the home to get a lower interest rate, in XX/XX/XXXX ( approximately 9 months ago ) and once again used RoundPoint Mortgage. I had to get an appraisal done at that time, and it came back at {$380000.00} ( appraisal attached ). Finally, when I go on XXXX it states that my home is worth approximately {$400000.00} ( Screenshot attached ). How is it possible that I have 2 recent appraisals ( within the last 18 months ) and a screenshot from XXXX that all support a value of approximately {$390000.00}, but their own appraisal comes in at approximately 10 % less. Does n't it seem a little odd that the 2 appraisals done that would make RoundPoint money ( purchase and refinance ) come in at {$390000.00} but the 1 appraisal that would not make them any money AND would reduce my monthly payment comes in at {$350000.00}? That seems EXTREMELY suspecious 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 2021-09-23
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Americollect Collections Agency located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, WI XXXX, has flagged my credit report several times which has had a negative impact on my credit report and credit rating. I received 100 % charity care for medical services received and have two charity care letters as evidence. Americollect has received this information and continues to try to forward this information to my credit report and then flag it so that my credit rating drops. These unfair business practices are unfair and questionable. Please investigate this issue and resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection services has four alleged debts listed on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi All, I would like to add to re-opening my claim. My app was hacked while i was sleeping at XXXX, and I don't know how. I live in Georgia when I looked at the app my address was changed to a California address, shown below that I never seen before. In that time span they also locked me out of the app and transfer {$1000.00} from my savings account to my checking account. Then went ahead and made 4 fradulent transactions shown below. 

I can't understand how my claim was denied when I talked to several representatives through this process. All times shown below. Each time I got the run around and transfered between the member services and disputes line back and forth. No one was able to help me until I was told to send emails to get my account setup again and allowing me access. I sent an email Monday and Tuesday and Today, showing my ID, XXXX holding my ID with the date and my full name " XXXX XXXX '' also shown below. When finally speaking to a supervisor, I was able to change my address, email, shipping address and phone number all of which should be seen on your end that was changed without my knowledge. The simple fact that i had to change everything back to my original setup is proof that I was hacked and my funds should be returned to me as soon as possible. i don't know any bank that does not reach out to the customers when something like this happens. I sent all the proof that i did not allow these transactions to occur. I even reached out to the fraudulent XXXX " XXXX merchant '' in order to see who charged me. I would like my {$1000.00} back and my account restored, legal actions should be the next step. 


Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Monday : XXXX XX/XX/XXXX Tuesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX ; XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX Wednesday : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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 am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX 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 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13XXXX XXXX XXXX XXXX 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 2018-01-09
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:
I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TransUnion, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Remove 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 2022-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  US Dept ED # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS DEBT COLLECTOR STATED I, THE CONSUMER, HAD 30 DAYS AFTER RECIEVING THIS NOTICE TO DISPUTE THE VALIDITY OF THIS DEBT, YET THEY REPORTED THE DEBT TO THE CONSUMER REPORTING AGENCIES PREMATURELY. THAT IS A VIOLATION OF MY CONSUMER RIGHT AND CONSTITUTES THE REMOVAL OF THIS ALLEDGED ACCOUNT IMMEDIATELY.

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 2018-01-09
Company: EQUIFAX, 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:
I have attached a letter and documents with highlighted information for review by the CFPB the credit reporting agencies and the creditors XXXX XXXX XXXX XXXX XXXX This is in response to a previous complaint with regarding items listed on my credit file that have not been validated. The information attached has been altered and or tampered with and is not the original information that was " supposedly agreed to by myself and the joint party. I never received a claim letter from this company regarding the CFPB consent order and was misled by the healthcare provider about the details and truth regarding opening the account and card. I believed that this card and account was paid in full. Account ending in XXXX was charged off and sold to a collections agency. 
******Please view all attached documents. ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: National Consumer Telecom & Utilities Exchange, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Chase changed our monthly mortgage payment from {$1200.00} to {$1200.00} without any prior written notice or an escrow analysis. Chase misapplied our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX and our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX. As of XX/XX/XXXX, Chase has not provided an escrow analysis for changes to be made to our escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: NY
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:
Experian has the wrong name on file I sent in the proof of who I am and nothing has been fixed it's been over 9 months & it's stopping me from buying a home & Car I Contacted them over 70 times about this and nothing Changes my name is 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 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Consumer had a dispute with XXXX Bank which went to Federal Court but was resolved before trial. 
Bank of America used the fact that consumer was litigating a credit matter with XXXX Bank as an excuse to close consumer 's credit card in violation of Federal Law. 
No derogatory information exists on consumer 's credit report and consumer 's credit score is considerably higher than Bank of America claims.

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 2021-09-12
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021 I sent a letter to equifax asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from equifax. XX/XX/2021 I sent a follow up message to equifax asking them to delete the following account because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Equifax failed to do so and are in violation of my FCRA rights. I am asking that they delete the following accounts since they are still being report inaccuratly. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid this account through a collection agency, XXXX XXXX, for {$300.00} as a settlement. My original balance was {$680.00}. Once I paid the account, Capital One updated my account on my credit report to reflect a {$300.00} payment made and still showing a {$380.00} balance. Then once they did this, my credit score dropped 80 points. I then called them again and submitted another dispute to get them to update the account. Once it updated to a XXXX balance, it dropped my credit score 50 points. so over 100 points because of an error they did with the reporting. I did my research and found that they reported the account against the XXXX XXXX guidelines that are enforced by the XXXX XXXX XXXX XXXX. Furthermore, on my credit report, they are listing the date of last payment incorrectly as well as date of last active. It is different on each credit report and this is a violation of the Fair Credit Reporting Act. I am not sure how you are able to do this and then cripple my credit score after I paid you. I attached a screen shot of the way this account is reporting so that you can see for yourself. I am sure that the CFPB can impose some type of fine or get this done for me because my calls and disputes are not working.

Company response to consumer: Closed with explanation