BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: NY
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 VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2023-04-26
Company: SmartCredit LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
One year back in order to secure a business loan of dollar store and they referred me to a company which enhance/ increases my credit score so as to be eligible to get a loan and the company referred to me is XXXXXXXX XXXX XXXX. After filling out the forms and up front payment they were willing to provide service to enhance/ increase my credit score. 

Subsequently, XXXXXXXX XXXX XXXX  referred me to a new company called XXXX XXXX and they ask for upfront payment which I fulfilled and they never kept their promise nor did they let me know how they are going to do it. Since then, they have being charging my different checking and credit card accounts without my authorization. 

Without my authorization/ permission on my behalf they are filling different claims that includes filling a complaint to the credit companies and EVEN to the Consumer financial protection bureau and guided me Incase I have any communication ( e-mail or by mail ) with above referred companies and not to respond. 

I was told to send all communication to XXXXXXXX XXXX XXXX XXXX XXXX. 

They have being charging some amount from my checking or credit card accounts without my permission and authorization. 

I have received a letter in a mail from Consumer financial protection bureau ( CFPB ) regarding a complaint which was filed on my behalf without my authorization, permission and I did not have any knowledge About a complaint.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Reported fraudulent charges, they have been working on the case for 3 months now. Didnt provide any updates, I provided all the information they needed. They now say after 3 months when I called them that they cant dispute and reversing the credit they gave me. I filed this within the proper time span and provided all the information regarding the claim XXXX. These were not allowed by me and not approved.

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 2019-09-06
Company: Experian Information Solutions Inc.
State: MA
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 this XXXX  account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see 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 non-monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, Equifax, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently submitted a complaint to CFPB on XX/XX/XXXX since I was given a loan modification by Ocwen Loan Servicing Company ( Complaint No. XXXX ). Therefore, since I was granted a loan modification and accepted the Streamline Trial Period Modification I was reassured once again by the Relationship Manager XXXX XXXX XXXX that the foreclosure case would not proceed. Please keep in mind that this foreclosure action was dismissed in XX/XX/XXXX and signed by the XXXX Supreme Court Judge XXXX XXXX on XX/XX/XXXX ( Index No. XXXX ). However, on XX/XX/XXXX the attorneys for XXXX XXXX XXXX and XXXX did not remove their motion to restore this foreclosure case even though a Consumer Financial Protection Bureau XXXX HOLD '' applies to this action. The attorneys for Ocwen wrote a letter to The Honorable XXXX XXXX of XXXX Supreme Court on XX/XX/2018 informing him of the CFPB " HOLD '' applies on this case, and it was XXXX -filed on XX/XX/2018. I Quote the letter by Attorney XXXX XXXX " We have been advised by Plaintiff, through its servicer, that an active Consumer Financial Protection Bureau ( hereinafter " CFPB " ) hold applies to the Action based on loss mitigation activity. The subject hold takes into consideration any appeals, as stated in 12 CFR Section 1024, which may be taken by the borrower. '' " In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time it prepares to foreclose on the subject property. See 12 CFR Section 1024. '' " Accordingly, Plaintiff respectfully requests that the pending motion practice is held in abeyance while the matter remains on a CFPB hold. We thank the Court for its time and understanding '' ( END QUOTE ).

When I spoke to Miss XXXX my relationship manager at Ocwen today XX/XX/XXXX she told me that their was a foreclose hold on this case, but when she emailed me today she stated that there was a foreclosure sale hold on my case. Please keep in mind that this action was dismissed and not restored, and there is currently a motion pending to restore this case. However, since I accepted a Streamline Trial Period Modification their motion to restore must be removed, immediately. Ocwen is violating RESPA Regulation X. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BARCLAYS BANK DELAWARE
State: WI
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:
All I know is the thing on my credit report is BRCLYSBANKDE and I dont know what this is

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see 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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
As shown on my credit report it shows 30 days late in XX/XX/XXXX and XX/XX/XXXX but I paid on time as shown by my XXXX  report please correct this inaccuracies as paid on time

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 2018-07-16
Company: LD Holdings Group, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was shopping around for a refinance company, and Loan Depot called me. We discussed the process and the representative kept asking if he had my full commitment. He already had the numbers and was very pushy throughout this very long phone call. I asked if I could continue looking. The representative said of course I could however I would not find the same rates. They also said it would take 30-45 days for closing. 

After doing more research on Loan Depot and the refinancing process I decided not to go with Loan Depot and emailed the representative the very next day stating I did not want to move forward with them on the refinancing and asked for my valuation fee of {$420.00} back. 

The representative replied stating that they just needed a few more documents from me and the valuation to move forward. I again replied that I was not comfortable and that I would not be moving forward with them. 

I spoke with three different inspectors and asked them to cancel the valuation. I spoke with Loan Depot XX/XX/XXXX and asked when this loan would be closed and I would receive my credit, I was told it should be within 24-48 hours. This has been ongoing since XX/XX/XXXX. 

During this process with Loan Depot I have felt pushed into something I really didnt understand and was told that no one needed to know my husband and I are divorcing to refinance, I was charged on a card that had just gotten paid down, which the representative also knew about and when I wanted to cancel the representative kept pushing me to answer why even after I told them several times, I just dont feel right about it. I was also told that I was on a recorded line several times agreeing to the commitment. 

It is my right to change my mind. The valuation was never done and I would not recommend Loan Depot, very pushy and not very explanatory and I still havent gotten my money back as stated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-01
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an order of garnishment from the court. The creditor listed is Ray Klein Inc, an  Oregon Corporation DBA XXXX XXXX XXXX. The Original debt amount is listed as {$830.00}. Fees were added in the amount of {$1000.00}. The document states that a judgment was entered against me dated XX/XX/XXXX, 2010. I was not  notified that I had this debt EVER, the original creditor was not listed, and I had no idea a judgment was entered. I can not even imagine what this debt could be.

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 2022-09-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had Macy 's credit card for years. I used it occasionally and always paid full balance down if I get the statement in time or can access it online. 
It's extremely complicated to manage the account online. They have separate userid for Macy 's ( for online shopping ) vs store credit card vs store card with AmEx. 
They never send statements or payment reminders in time and mostly I got physical statement when I'm already past due and charged late fees and interests. Multiple occasions I ended up paying those extra fees and interests. 
Finally I was done with it as I closed my account over phone and paid outstanding balance one last time. 
Somehow they figured out a way to charge me additional fees or something. I have no idea what. But now I have a {$14.00} balance that 120 days due at credit bureaus! Only {$14.00}! 
I never received any communication about this {$14.00} ( no mail/ email/text/phone! ) For this my credit score has dropped by almost XXXX points! ( went to XXXX from XXXX! ) The reason I'm complaining to cfpb now instead of picking it up with Macy 's again I think their ambiguous practice may be hurting a lot more customers than just me.

I would expect cfpb to force them to take action in terms of cleaning up my credit history and take a hard look at their bad operational practices.

Also my shopping in Macy 's has reduced over last couple of years part of my annoyance with their credit card. I may never shop at Macy 's anymore and use others instead.

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 2019-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, is giving me such a difficult time that I want to take them to court. I want to be heard in court in front of my peers. 

XX/XX/2019 I had spoke to a very nice lady regarding Fraud, Hard Inquiries, Soft Inquires that 99 percent I never initiated. After looking at my file the nice lady says to me that the hard inquiries were being duplicated by mortgage companies and yes they and a lot more needed to be removed. At the time the nice lady could not verify who I was and asked me to use Experian Upload in which I tried very unsuccessfully. At that point I called Experian only to be met by someone in XXXX. I could not for the life of me understand what they were saying so I hung up. 

At that point I knew there was missing credit card information, my hard inquiries were work and my credit file was a mess. Because I was having so much difficulties I decided I would write the resolution department. In my mailing were 2 years of bank statements, a copy of my drivers license, a copy of my electric bill and a copy of insurance papers. I also made a copy of my social security card. I did this will all 3 agencies and only Experian is completely out of there mind. First the wrote me a letter stating the changes were being made to my file. The I got a letter telling me that they Experian needed my bank statement and everything I sent above. My attorney and I review all documents that were sent and it clearly states I'm me. Now Experian will not own up and fix my file. This is driving me mad ... HELP!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had to close account. Kept getting overcharged. N.money took

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 2022-10-05
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX we had income loss, illness along with I have had several health issues since. We got a modification and were approved/ made one payment with north pointe. Then our loan sold. In the process it has sold 4 times and each time told dont make a payment we will fix this. Now over a year later since my loan originally sold and still cant make payments, loan amount changed, interest rate went up, no honor to our original payment plan and now our recent papers were denied and no one is calling us and I have to call each time. I have two years of paper trials and emails and still nothing. We are now with right path and again told today we cant make a payment. Our situation has been escalated over a dozen times and nothing. I feel I am being defrauded out of my home and its original value. We are currently being told we ok XXXX every time we call in and again nothing is done in our favor even with requests in, paper trials submitted and again nothing. I feel we need a lawyer and all legal support we can be provided as a mortgage owner with rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pay annual fees to XXXX to keep my credit card open. 
XXXX states that I requested to close that account. I have never requested to close this account. Everything about this account remains open on the XXXX app. Moreover, I still use the card and I still paid annual fees without interruption, and promptly, to XXXX. There is no reason why this account should indicate closed. 
XXXX confirmed this mistake on their end and I requested that they update the Credit Bureaus. They have not updated the credit bureaus, which still indicates a closed account for them -- but no other accounts.

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 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 submitted my payment to Capital One a month ago for the full balance of the bill, which was around {$2000.00} dollars. I'm accustom to paying large payment dollar amounts on my credit card bills to keep my debt ratio low as possible. I deposited my pay check into XXXX XXXX XXXX two days prier so I could pay my bills on time, XXXX XXXX XXXX, while deposited my check, coded my check incorrectly and the check didn't go into my account on time to pay my bills. n the mine time I received an email from Capital One stating that they received payment, so I started using my card again. I wasn't aware that my check was improperly deposited in the bank by the teller that waited on me that day. I only found out when Capital One placed a thirty day late payment onto my credit file. I've had this account now for about six months with no thirty day late payments on it. I pride myself on having good credit. I work very hard at it. It's not my fault XXXX XXXX XXXX screwed up my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation from XXXX XXXX XXXX to specialized loan servicing. They claim we owe back payments we don't. They have not turned over the lost check to the homeowners insurance. We have a lawyer, he was accused of being fraudelent and a scammer. Read the complaint we gave about 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