BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my 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 explanation
Consumer complaint received 2017-07-03
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Planned to pay off mortgage in full. On XXXX XXXX, 2017, the outstanding principal balance was {$42000.00}. Arranged online bank-to-bank payment of {$42000.00} on XXXX XXXX, 2017. Wells Fargo did NOT apply these funds like usual, but listed this huge payment as " pending ''. I knew a few days of interest and a lien removal recording fee of {$12.00} would need to be paid by additional funds to complete the pay-off process. ( The system Wells Fargo uses would not let me pay these extra costs/fees/funds through online banking. ) That is why I called the Wells Fargo mortgage office by telephone XXXX XXXX, 2017. The employee who helped me said the easiest way to complete the pay-off was to go to a physical branch. So late in the afternoon on XXXX XXXX, 2017, I went to the physical branch in XXXX, WY, and the branch manager - first name - XXXX helped me calculate the extra funds needed to pay off the loan by calling the pay-off portion of the mortgage office. That office emailed him an up-to-date pay off notice which he printed at his desk, and then cut me a cashiers check for {$100.00} to settle the issue. He stuffed the final payment due in either a XXXX or XXXX next day delivery envelope that would go out on Monday, XX/XX/XXXX, with delivery guaranteed Tuesday XXXX XXXX, 2017. The problem is that the interest and lien removal should have totaled only {$85.00} ( which is what posted to my online account ) while Wells Fargo received a cashiers check for {$100.00} on XX/XX/XXXX. Meanwhile I was sent two more letters by US mail from Wells Fargo asking me to pay two more additional amounts, neither which agreed on the amount due. However, {$100.00} payment minus the {$85.00} credited to my account means I actually overpaid by {$16.00}. I called the pay-off office to explain the wrong info and asked to be refunded the {$16.00}. The female who " researched '' the issue said I was not due a refund. Next I asked to speak to the CEO of Wells Fargo. Instead I was patched through to a XXXX XXXX in the administrative division whose title is " Executive Resolution Specialist ''. He took my complaint and said someone from his office would respond within 48 hours. I told him I was not treated right by other employees who proved unwilling to listen or be helpful and did not know if he would be an improvement. I asked for information about who to contact at the federal government level ( which he did not provide ) and told him my wife and I would be closing out our last remaining business tie with Wells Fargo by closing out our checking account. Then I began this complaint with the CFPB. Seems like an awful lot of XXXX banking experience for a simple request to be refunded a {$16.00} overpayment! A sum which I was not promised would be refunded 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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
In late XXXX, someone hacked into my XXXX account and bought some grills and air fryers, totaling about {$650.00}. I called both XXXX and Bank of America. XXXX noted that the XXXX addresses were not those which I had used before, and blocked them, and agreed that I did not make the transactions, nor did I receive the grills that were purchased using my card. Bank of America and XXXX discussed the issue further, to my understanding, where they declined my refund. Bank of America said it was up to XXXX to resolve, and XXXX said it was left to Bank of America to refund me. I reopened the investigation a month ago and was promised a call back within a week or XXXX weeks or so, and I have not heard anything back. XXXX agreed that I did not make the transactions, so how I was declined my refund, I don't know. I also never received notes from the investigation that lead them to believe that I was at 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 2017-11-13
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Navy Federal and honestly forgot to reach out to the bank after my loan was approved. Navy Federal advised me that I stated that I would go to the branch to pick up the loan after listening to the calls. 
Navy Federal let the loan sit at the bank for over 3 weeks and did not contact me about the loan. They stated that it is not their policy to reach out to consumers on their loans. It seems a very bad business practice to just not contact a consumer about a loan. Life happens and sometimes a consumer can forget. 
I am very upset that the blame is all on me and that Navy Federal considers this a normal business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Rubin & Rothman, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received a letter from Rubin & Rothman LLC claiming i own {$12000.00} from an account that i haven't use for 4 years since i lost my job back in 2017. this account its been close and i don't even have access to it.

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 2021-12-03
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a copy of my credit report and found an account from a collection agency. The collection agency is CREDIT COLLECTION SERVICES. The debt this collection agency is attempting to collect is for XXXX. I do not use XXXX or XXXX for any insurance nor have I ever. I have never done business with these companies. I am a victim of identity theft and this account was opened as a result of that identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in many Louisiana. 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 2021-07-20
Company: DISCOVER BANK
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my account with XXXX 6 months ago, paid off all balances in full. This morning, I received an alert that I owe XXXX on the card. 

XXXX attempted to charge the card a dozen times, and on the final attempt, XXXX allowed the payment. I stated to them on the phone when I closed the account, that no charges should be further allowed, and they acknowledged that in the affirmative. 

XXXX has admitted their mistake, but XXXX has taken no responsibility, and said it will take 60 days to investigate my claim. This account has been closed and paid off for 6 months, with explicit instruction to deny any charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan with Guaranteed Rate in XX/XX/XXXX. 

Extremely unclear customer services. Never any clarity about the process. We applied in XX/XX/XXXX and 3 months later get the same answer of " you will close any day now ''. 

We have sent all required documents promptly when required. 

This should be dealt with ASAP. 

The office information is : XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was at the end of my 2-year contract with XXXX XXXX , I told them I didn't want to commit to another contract, I would pay month by month, since i had them for a while already, after one month they told me I must sign a contract. I refused and returned their equipment in the box they sent me. It took six months for them to remove that from the bill, I was willing to pay one month 's usage, but refused to pay an earlier contract fee. My 2-year contract ended 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 2017-07-05
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:
Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2017-07-05
Company: Pinnacle Credit Services, LLC
State: CA
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:
Received one missed call with a voice mail from XXXX XXXX XXXX and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There was going to be a court-ordered debt Levy put on my bank from the Franchise Tax Board they gave me a certain time to pay it off I paid it off Wells Fargo still went ahead and charge me {$120.00} fee that they charge for such things and over drafting my account in doing so they took {$13.00} from my savings account to pay to put on to my main account then they over then they charge me a {$12.00} fee for that and now they overdrafted my savings account all all because of this Levy that was never really in put on my 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 explanation
Consumer complaint received 2019-08-08
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:
In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX  representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018, my wife and I fell behind on our mortgage payments after she became ill. The majority of our income went to her treatment and medical expenses which made it impossible for us to keep up with the payments since we were on a fixed income. Paying our bills literally became a life and death decision. She recently passed away this past XXXX and I am just trying to get the default rectified so that the home does not foreclose. I do not have the funds to reinstate the loan so I am in the process of applying for a short sale to sell the home. I need more time to get my wife 's belongings out. I haven't had any time to clean out and sell the home because I've been in such a whirlwind since XXXX XXXX death, I could barely afford to cover her funeral expenses. Please have someone help me in getting the foreclosure auction stopped so that I can sell the home, I just need at least 60 extra days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sequoia XXXX XXXX listed an alleged debt on my consumer credit report. It is a false representation of an amount owed. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by Sequoia Concepts Inc fall under UCC 9-110 under Article 2 or 2A?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a couple of phone calls over the course of 3 days. I called the number XXXX that contacted me for the second time today XX/XX/2020. I got a rude unprofessional agent by the name of XXXX, Agent ID:XXXX. I advised that I was only 4 days past due and all of the excessive phone calls aren't needed and that it was a form of harassment. I then proceeded to let the agent know that I wouldn't be able to make my payment until next Thursday XX/XX/2020 and that she could set up an arrangement. The agent asked me for my debit card number and I informed that I didn't want to set up any automatic payments and that I would call my payment in as I've done several of times. This agent said rudely " well I am not setting up your payment arrangement and you will continue to receive calls ''. I then stated again that it's considered a form of harassment and in which her company could be sued for. I advised to cease and desist all calls and the agent stated again that she's not setting up my payment arrangement without a card on file. I asked for a supervisor and the agent ignored me, she either disconnected the call or muted the call and didn't reply back to me. I hung up and called spoke with another agent by the name of XXXX, she provided me with the previous agent name and agent id. I then spoke with a supervisor by the name of XXXX about the situation at hand, and so far have resolved the issue. She stated that they will pull call and review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX  on line with XXXX. Made one on line order {$100.00}. Tried to get XXXX XXXX for {$27.00} for third item. Called an off shore agent incorrectly add {$70.00}. Later XXXX hours of calls got USA agent for XXXX who corrected same order. XXXX received XXXX seperate authorization requests. In call XXXX hour XXXX agent in XXXX, XXXX. two reversal of authorization codes. I call bank with codes 4 days. Bank said would drop pending! XXXX! Day three got bank claim supervisor XXXX, who said he has codes and would authorize release of two of three duplication authorizationXXXX XXXX. Per XXXX. After XXXX hrs with bank the executive office open incident case. For 7 days these pendingXXXX XXXX authorizations have restricted my demand deposit checking acct. 
XXXX did not have two items ordered, therefore XXXX duplicate authorization will not drop off in XXXX hrs. Bank has unlawfully restricted the use of almost {$300.00} in a buying season. Please investigate!

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