BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-06
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am submitting a follow up complaint. After deception regarding a forbearance Wells Fargo then stalled the process when I was able to pay off the entire balance as of XX/XX/XXXX. They finally ( thru their lawyers ) submitted an offer to end it ( Attached ). I wired the payoff ( Attached ). It is now XX/XX/XXXX and they send a letter saying they " expect to complete our work by XX/XX/XXXX ''. They also say they may charge their " loss '' to us as taxable income to us. I argue they had no loss until they began refusing to accept our money and continued to drag out the payment acceptance. They ignore my requests to be contacted via email. They only call, leave a message, and can not be reached. I requested email in order to have documentation as I have learned that what they tell me on the phone is not what is what their intentions are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Peer Advisors, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
They along with federal national mortgage ( XXXX  XXXX ) illegally took our name off the title of the house at the appraisal district and pulled a fast one on me. Mr. XXXX passed away he was a veteran. I probated this estate so I inherited his house and the debt? Now they haven't honored a thing they have said. They are charging nonsense fees and saying one thing doing another. They were also suppose to give time to sell and didn't honor that? There paperwork doesn't even add up. They have lied to us numerous times. Falsified foreclosures numerous times it's not right. they have lied to me over and over. They tried to act like we didn't have a will. There are numerous people in this scandel they pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: CO
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've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1,  paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: AZ
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:
I submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. XXXX and Experian has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.

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 2018-04-04
Company: JPMORGAN CHASE & CO.
State: NY
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:
In XX/XX/2018, Chase Cardmember services closed my credit card account, which I've had for more than 5 years and have always been in good standing with with no delinquencies. The reason they gave verbally and in writing was " only merchandise credits have been used to satisfy the balance on your account for more than 2 months ''. 

In this day and age of e-commerce where you may need to purchase a lot of items to keep one ( and then need to return the rest ), I believe this is an unfair practice. I also question whether it is legal to deny me / rescind credit for solely reason. I also believe that my credit score may be negatively impacted as well ( ratio of outstanding balance to available credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a formal letter to Equifax to remove a fraud alert on or about XX/XX/21. I also Called and requested that it be done. 
In addition to requesting to have the fraud alert removed, I am paying member of there myEquifax service which I use to stay on top of my credit score and changes I received a letter stating that the Fraud alert has been removed but on the paid service and well as another paid service that update the report, the Fraud alert has no been removed. 

I am attaching copies of the letter as well as copies of the screen and reports I recently applied to on a checking account and was turned down due to this alert. The alert is harming me personally and I had formally did the right thing requesting the Removal and even paying for the monitorig service does not get service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment Equifax and XXXX  put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Experian Information Solutions Inc.
State: WA
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:
EXPERIAN. XXXX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT XXXX XXXX  CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX XXXX ... PAIDED IN FULL XXXX CREDIT CARD.. INCORRECT BALANCE XXXX CREDIT CARD.. INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

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 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/XXXX, someone was able to gain access to our checking account, create an XXXX XXXX card, and make an online purchase {$10000.00} from the XXXX XXXX at the XXXX XXXX XXXX Store in XXXX XXXX XXXX. They were able to do this by requesting a temporary daily purchase limit to {$11000.00} once they gained access to our account. 

On XX/XX/XXXX, I noticed the purchase on our account when doing my weekly check of the checking account. I made a claim on the day to recover our money. We told them that my wife received two strange phone calls on her cell phone on Saturday, XX/XX/XXXX at XXXX and XXXX XXXX. She called the numbers back and at the time, we thought she may have provided her social security number to an automated system that the scammer created. Bank of America provided a claim number ( XXXX ) and stated that it would take two weeks to do the research and provide a resolution. 

On XX/XX/XXXX, we received a letter stating that our claim was denied because it wasn't fraud because my wife provided her social security number to the perpetrator of the scam. I asked for an appeal because since then we gained more clarity of the situation with the phone calls. I faxed and mailed a letter with this discover which will be attached to this CFPB complaint. I will summarize the contents of the letter below : 1. As I stated, my wife received two phone calls at XXXX in the XXXX on XX/XX/XXXX. The first number was ( XXXX ) XXXX. This number is the main toll-free number from Bank of America. However, Bank of America stated that they would never call a client at that time of the morning. So, it is our assumption that this number was " spoofed '' by the perpetrator. The next call, which was a minute later, was from a XXXX area code. None of these calls were answered. 

2. At XXXX and XXXX, my wife called these numbers back. She called the XXXX area code phone number first. It was was a bad number, so there was no answer. Then, she called the ( XXXX ) XXXX, which is the Bank of America main toll-free number. The automated system that she provided information to was Bank of America 's. The phone records and cell phone log are appended to the letter which is attached to this complaint. 

In conclusion, we were denied because it was believed that my wife provided her information to the third party. However, we believe that this is the wrong conclusion because the information she provided was the Bank of America automated system at XXXX on XX/XX/XXXX. I am asking that the denial be reversed and our money be reimbursed due to the fraud on our account.

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 2019-08-10
Company: Capio Partners, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: OCMBC, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX Loan Application submitted with all required documentation XXXX Loan disclosures by the lender signed by us XXXX Closing disclosures signed. More documentation required after Closing Disclosures already signed XXXX Interest rate lock of 2.875 % expired XXXX 95+days after I submitted my application.. .my loan was 'still pending '. Due to inaction and endless/duplicate documentation request by XXXX XXXX XXXX and OCMBC, the lender, I terminated our loan application by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: IA
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:
XXXX and equifax have kept this negative nasty collection/closed account but have changed the status just to hide it on my credit report. XXXX had deleted the collection account for some months now. I request a swift deletion from the other two bureaus as experian also is showing it as a charge off and equifax shows it as a closed account which is innacurate and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have opened several disputes the dispute on XX/XX/2019 shows that these two collections were deleted yet it doesnt seem that this has been updated on my credit report ( s )  mainly Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. This account was over XXXX XXXX XXXX and closed. Just to be annoying this company opened it back up and reported it negatively to all three credit reporting agencies and of course dropped the score from over XXXX to around XXXX. This is not the first time that they did this. Once I challenged it with the reporting agencies it was corrected, this however was not something that was done on accident, it was done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: HW Holding, Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to HUNTER WARFIELD. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: LCO Financial Services, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The reason I am making a complaint about Blue Trust Loans is because I NOW know they are a " XXXX XXXX XXXX '' company, so they can escape state usury laws. I borrowed {$1500.00} from them on XX/XX/2018, and TRIED to make a {$300.00} payment a few days later to lower my interest, but they refused to take my payment. I have to wait till XX/XX/2018, and arranged to pay {$1200.00}. 

THEN on XX/XX/2018, I will STILL owe {$800.00} PLUS {$270.00} interest. So for a {$1500.00} loan, within a TWO MONTH period I will be paying back a total of {$2500.00} -- over a THOUSAND DOLLARS in INTEREST!

I let Blue Trust loans know exactly what I thought of them, and I have no doubt that THEY are the ones who sold my phone number -- I now receive twice hourly calls from area code XXXX. I keep blocking each phone number as it calls me, but I get another nuisance call from a different phone number out of area code XXXX. I am going to have to change my home phone number thanks to these crooks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: U.S. BANCORP
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:
My complaint is against US BANK regarding account # XXXX XXXX XXXX XXXX. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to US BANK what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. This company didnt even mark my account as disputed once they received my dispute notice, they arbitrarily decided to just leave the negative mark on my reports. I know the company has no obligation to remove account but they are in obligation of at least to make an in investigation according to the Fair Credit Reporting Act. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if US BANK does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. I have a {$500000.00} loan pending because of this negligence. Thank you!

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 2018-07-14
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/2018 I am complaining about the service that I got from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ( GreenSky, LLC ). XXXX XXXX started in XX/XX/XXXX on our kitchen and finish in XX/XX/XXXX. Now the water faucet do not work proper, it ' second faucet they put in.

We accept their working schedule and understood that there would be days that they could not work, but not stopping and be gone two weeks, come back work one day, then stop work take a other weeks. Our kitchen is not that big, it a small kitchen. The CREW 2 had a bad reputation for working on kitchens.

My wife became ill from the XXXX and frustration, that her kitchen was taken so long to finish, that she have be admit to hospital. She had to cancel dinners and wash dishes in the bathtub.

Yes we have been corresponding with XXXX XXXX  complaint center. Then it get like " passing buck '' to different representatives. Then all communication stop. Ms.XXXX XXXX, the XXXX XXXX representative said as soon as they finish we will be compensation.

I am asking for {$3000.00} be subtraction from my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase for {$12.00} in XX/XX/XXXX. In the midst of me changing banks the bill was overlooked. I immediately called and the late fee was waived as 1 time courtesy and I pd the bill XXXX ( XXXX fee which I dont know for what ) in XX/XX/XXXX. And now they say I owe {$41.00}? On a XXXX purchase which was paid. Ive messaged them but nothing is resolved. Ive looked them up ( comenity Bank ) on XX/XX/XXXXand there are a lot of complaints of them doing this to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04
Company: Social Finance, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Began process of applying to refinance student loans through SoFi on XX/XX/XXXX. Existing loans are serviced by XXXX and XXXX. Completed process on XX/XX/XXXX and received notice that my loan was being transitioned to XXXX as servicer. On XX/XX/XXXX, saw that interest had begun accruing on SoFi loan as displayed on XXXX website. However, at this time, funds had not yet been issued to my existing servicers, which I confirmed by viewing my dashboard on XXXX and XXXX websites and via a web chat with a XXXX representative. 

Per my attached lending agreement with SoFi, interest should begin to accrue as of the " Disbursement Date '' which is defined as " the date you [ SoFi ] issue money on my behalf to the creditors of my Prior Loans '' ( see sections E.1 and D.4 ). Because the money has not been received by the creditors of my prior loan, the definition of Disbursement Date has not been met, and interest should not begin to accrue on my loan with SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I received my XXXX  MasterCard on XX/XX/2021 after I actived it, I can not registered it or use it, it is not working, it said it is not supported or code is not valid, I called like 6 or 8 time to fix it, they are acting like I have a hacker that is using my XXXX MasterCard account and want to manipulate me, making me believe that After the card is active client have to wait few day to use the card. 
That happened with others ebay card but I cancelled rapid. But it is too much stealing my information to control the account, someone name XXXX said that my is restricted too.

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