BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Professional Debt Mediation, 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 writing to delete the following information on my file. The items I need deleted are listed on my report. I may be a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I provided a {$0.00} tax bill and XXXX VA XXXX saying I'm 100 % XXXX and also 100 % retired from XXXX. They continued to miscalculate my mortgage and charge me for property taxes I am not responsible for. They are holding {$22000.00} of my money for taxes I have a {$0.00} bill for and have initiated XXXX XXXX on me for my complaints. 

The mortgage company doesnt answer my calls. They actually owe me money but are accelerating because i failed to make only XXXX payment for less than they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage process horrible, from start to finish. You can never get a hold of your loan officer. I get a pre-approval letter. I get a accepted offer, but backed out because of inspection. I got the price down XXXX less than my pre-approval. I signed accepted offer & seller is asking for XXXX earnest money. Loan Officer even asked for appraisal money the 1st time, now her supervisor tells me I'm disapproved? I'm waiting for the letter to why, meanwhile I'm supposed to close on the house in a week, and maybe reliable for the earnest money of XXXX dollars. I was sent a pre-approval for XXXX about a month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me exorbitant over draft fees for years until I closed the account completely.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 15USC1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-08-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked and requested Experian repeatedly to remove these addresses that I have never seen before from my credit report and they will not comply. Isn't that against the law? I want to report them on record for not removing these unidentified addresses. I beleive someone is committing fraud and I want them removed immediately! 

XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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 2023-05-06
Company: GOLDMAN SACHS BANK USA
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Apple Savings using Goldman Sacs. I deposited {$49000.00} on XX/XX/XXXX. I then tried to withdraw {$11000.00} on XX/XX/XXXX as they advertised that you can do unlimited deposits and withdrawals unlike other banks. 

Then it had been 3 days and I did not receive it, I reached out and they sent me a rude note saying that I should read the XXXX XXXX  XXXX as they have 5 days. 

I wrote to them that I will no longer use them as it says 1-3 days for the funds to be sent. 

I then requested the remaining {$38000.00}. 

They then declined the withdrawals and when I call they say they can not help me and that I need to wait for someone to call me. 

This is theft. Please help me get my funds back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: DISCOVER BANK
State: IL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I logged into my email this morning and saw that I was put into " Administrative Forbearance ''. After signing in and being the documentation, even though I am on the SAVE plan, the document shows that I will be responsible for the interest accrued. I didn't ask for a forbearance and under the SAVE plan interest is supposed to be waived. Not sure what is going on, but I just aXX/XX/XXXXXX/XX/XXXXchannel with many people saying the same thing happened to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, 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 2023-10-14
Company: MOHELA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/23 my loan servicer was changed from XXXX to MOHELA. In the transfer notice email from MOHELA it stated all of my loan information would be transferred. I had submitted PSLF paperwork on XX/XX/23 and paperwork for enrollment in income driven repayment on XX/XX/23, both via the federal student aid website. On XX/XX/23 I received a bill in the mail from MOHELA stating I owed over {$2000.00} XX/XX/23. This is half of my monthly salary. I logged into the MOHELA website and while my PSLF paperwork was transferred there was no record of my repayment plan paperwork. I tried calling multiple times but was unable to get ahold of anyone on the phone ( I work ~80 hours/week as a XXXX XXXX  ). I sent multiple messages through their website inquiring about why the paperwork was not sent to MOHELA and why only part of my paperwork was sent. I sent messages on XX/XX/23, XX/XX/23 and today XX/XX/23. Their website states they will reply in 3 business days. I have not received any reply even from my message on XX/XX/23. I tried to re-submit paperwork for the repayment plan on XX/XX/23 through the federal student aid website which also shows my prior application. The second application is the only one appearing on my MOHELA account and I continue to get bills stating I owe over {$2000.00} even though I submitted appropriate paperwork over 90 days ago ( which is how long they state is required for processing of repayment plans ). I can not make these payments and can not get any resolution through MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CCS Financial Services, 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 disputed a collection agency account that was not mine but reporting on my XXXX XXXX file CCS Collections reported on XX/XX/2023 original creditor - XXXX  {$59.00} unpaid balance This was the claim by this company that I never heard of I disputed this as not mine fraud account XXXX claims they verified this account as mine but never offered any supporting documentation to prove this as factual data

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used a negotiable instrument which was my remittance coupon I used federal codes and I sent it to the address on Capital One paper work in items marked Paid In Full.

All debts are prepaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are 2 medical collections that have popped up on my XXXX, XXXX and XXXX credit reports from Medical Data Systems. One is for {$970.00} and the other is for {$11000.00}. I do not recognize these debts, nor did I receive anything in the mail about them or receive any phone calls regarding these debts. I have tried to contact Medical Data Systems to validate the debt but haven't received any debt validation. These are not my medical issues. Please delete.

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 2023-04-28
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/21 well Fargo closed my account they said because of fraud activity they took XXXX dollars for something I knew nothing about

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 2023-04-28
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
I am disputing a charge on my American Express card for the amount of {$3100.00}. I was told if I could prove that I tried to contact the company to let them know I was unsatisfied that they would refund the amount. They keep claiming that because I signed a paper that said the work was completed that they are siding with the company even though I explained that they lied to me about the purpose of the paperwork and it was only for a prototype and the completed work has still not been done. XXXX XXXX  is the company I am disputing against. They haven't even completed the terms and agreements on the website they were suppose to complete and they have the pictures on the website as boxing and I was told that was just a sample because they were suppose to build the website for self defense products and they never changed the pictures from boxing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, Capital One has charged nine cash advance fees in the amount of {$90.00} ( total ). I called the Capital One and they mentioned that they have changed the category for XXXX and started charging this fee. My son who is a teenager student uses this account as authorized user and never knew about excessive fees in using the card. For example, my son paid {$6.00} for a transaction and the capital one charged {$10.00} fee as cash advance. I requested these fees to be refunded since I was not disclosed about this before and my son has used XXXX many times prior but was never charged the cash advance fees. Actually, it is not used as any cash advance purposes. I have called and closed the account because of the deceptive practices used by the Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing a claim against the response to claim number XXXX. The report stated this was an authorized transaction. ( {$11000.00} was transferred by someone other than me to a bogus account opened in my name at XXXX XXXX XXXX  on XX/XX/2023 ). This transaction was not authorized by me, which I reported to US Bank Fraud Department on XX/XX/2023. As instructed, I reported this to local police department in XXXX, XXXX. The report was filed at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY, XXXX XXXX XXXX, XXXX, WY XXXX. The Report Number is # XXXX. ( I have requested a copy of this report. ) According to regulation XXXX banks are required to make the client whole if their money was stolen through an electronic payment initiated by another person. Further CFPB issued guidelines stating the law protected person to person on-line transactions. CFPB clarified all unauthorized on-line money transfers ( payment by someone else ) is the bank 's liability. 

This account was closed by me to avoid additional unauthorized transferson XX/XX/2023.

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 2023-06-13
Company: Oklahoma Student Loan Authority
State: TX
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 am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or XXXX. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I explained about hardship and loss of income. They not willing to help or reduce rates. They said even if Ill make any payment they will report to 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 explanation
Consumer complaint received 2023-04-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023 - made XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - scheduled XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - attempted to schedule XXXX mortgage payment, but the payment system was going to apply a late fee for {$89.00} XX/XX/2023 - I suggested to the representative that she present the issue to management, but instead she transferred me to another representative named XXXX XXXX operator ID XXXX ) who said that the system does not have the capability for me to submit the payment and that I have to wait until the month of XXXX to submit the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 XXXX XXXX XXXX XXXX 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 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 7 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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: PNC Bank N.A.
State: NC
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:
On XX/XX/2019 my PNC credit card was given to the taxi driver to pay for ride. As I got out of the taxi I realized the card was not returned. I immediately contacted the bank to report it stolen as I saw a charge for XXXX rather than the XXXX which would have covered the cost of the taxi. I have contacted PNC several times and been transferred around from one department to the next. The I was told they could not do anything about this dispute and would not explain what steps were taken to attempt to resolve this matter. This clearly is fraud. The bank is refusing to help as their claim is my husband provided the card. The receipt was signed fraudulently by the vendor.

Company response to consumer: Closed with explanation