BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke with my mortgage company Wells Fargo XXXX requesting a forbearance because I have been affected by Covid-19. I spoke with XXXX to request the forbearance, she tried to put the request in their system but could not process my request. XXXX transferred me to XXXX XXXX in the preservation dept. she was unable to assist me with the request. XXXX transferred me again to XXXX, XXXX transferred me XXXX. After I was transferred 5 times and on the phone 2 hours they still did not process my request for the forbearance. Wells Fargo is giving me the run around and I don't want to lose my home. I have faxed my request to Wells Fargo requesting the forbearance. Please 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
And my money will keep getting missing

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 2019-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me at all times of the day and night. They even call me at my work place harassing me. Telling me different things and not telling who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE TRIED ON SEVERAL OCCASIONS TO GET THIS MATTER OF BANKRUPTCY RESOLVED WITH EXPERIAN CREDIT BUREAU AND CAN NOT GET THEM TO VALIDATE NOR VERIFY THE INFORMATION THEY HAVE ON THE BANKRUPTCY ON MY CREDIT REPORT AND ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY. ALL I WANT THEM TO DO DO IS SEND ME SOMETHING WITH MY SIGNATURE VALIDATING OR VERIFYING THAT THIS MY BANKRUPTCY, THEY WILL NOT, I HAVE SUBMITTED A COMPLAINT BEFORE DATE XX/XX/XXXX COMPLAINT NUMBER XXXX PLEASE USE THE ABOVE COMPLAINT DOCUMENTS IF NEED

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 2018-10-16
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an mobile deposit from a loan company they shut my debit card off and said I need to call the bank when I did they said they thought it was a scam well they locked my checking account out to where I can't withdraw my money they have take. An overdraft charge out of it I was not overdraft it has been almost 3 week the check has not been returned and I got an email to state that the mobile deposit had been approved and processed they won't let me into my account to get my money they said they are closing my account on the XXXX and that if I had anything left they would send it in a cashier 's check to me. They have already charged me an overdraft charge and the mobile deposit was approved I'm dealing with us bank

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 2018-03-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I previously lived at XXXX XXXX in XXXX, which is owned by XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) Their Corporate Office is located at this address. 

I lived with them and paid rent every month on time or early. On my last month with them I was to move out by XX/XX/XXXX. I contacted their resident service office on XX/XX/XXXX to find out what the pro-rated amount was so that I could pay them for my last month and they said they would let me know that same day. 

They purposely did not tell me the amount that was pro-rated and the amount I needed to pay so that they could add on a late fee and gouge me because I was leaving their apartment community for a better one that they did not own. 

Once I was notified on XX/XX/XXXX of the pro-rated amount and the late fee, I told them that was not fair as I had been in contact with their rep and said he would contact me with the pro-rated bill but he never did until The payment was considered late. 

I refused to pay their late fee but paid them the Pro-rated amount that was due and moved out. Later they sent me to collections for {$150.00} late fee that is erroneous. The collection company has already severely damaged by perfect credit. I disputed the charge but it is still on my credit and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Several consumer laws and regulations were violated in the finance process of the purchase of my vehicle. I have detailed and highlighted all of this in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX, I filed to recertify my student loan payment. My husband and I filed separate XXXX returns and I deliberately waited until they were processed before filing the recertification. I requested XXXX to review the tax information provided by the IRS transfer tool and switch me to the lowest payment plan ( this was confirmed by the agent ). However, when they re-certified it, they didn't switch the plan and they re-certified it at a higher payment. When I called to ask what they were doing, initially the agent told me it was because I had " access '' to my husband 's income! I know that's not true and I asked her when they decided that was a factor. Then she came back and said that unless I specifically told them to put me on the IBR ( which would have excluded my husband 's income ) their version of switching me to the lowest payment plan was to keep me on the same payment plan. Then she told me I needed to apply all over again but tell them specifically which plan I wanted or they would just leave me on the REPAYE. Since when do they just make up the rules about which plan they want me to have and ignore my requests or the law which says not to include my spouse 's income if we file separately? What if I literally had no knowledge of how this works and just accepted it? I'm sure there are many people that do not know how the payment plan options work and would have just accepted it. I plan to call back and request a supervisor who will hopefully be able to help me without me having to wait another month for a proper revision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
Santander is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was born in New York, moved to my parents country of origin where i lived the majority of my life. i came back to New York on XX/XX/XXXX to finish my studies and continue my dream of becoming an engineer. soon after my arrival i noticed i was not able to get any credit or even find my credit score. after more digging i found that someone had used my social security number to open an account that was left unpaid. now i am stuck with a bill that is not mine. i was in school in another continent and could not have opened a utility bill, which is in my name. i would like to be able to access my credit information because i want to investigate if there are any other accounts that were open without my knowledge. whenever i try to access my credit i get a message that states that my information can not be verified.

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 2018-02-16
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I made a Coinbase purchase on XX/XX/XXXX for {$200.00} in BTC. My bank account was debited that value ( plus an unexpected {$2.00} ATM charge by Coinbase ) on XX/XX/XXXX. My bank account has been charged AGAIN for that amount ( {$200.00} ) on XX/XX/XXXX without my consent. 
I additionally purchased XXXX on XX/XX/XXXX ( {$110.00} ) & XX/XX/XXXX ( {$150.00} ). Those have not double charged but I expect them to due to the negligence on Coinbase 's part. 

I expect to be paid back my {$200.00} PLUS any additional costs that may be incurred against the XXXX  purchases. Additionally, I expect to be compensated for the error. 

Coinbase is unresponsive in email and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: AES/PHEAA
State: MA
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:
Hello The fraud I experienced involves involves my student loans with the U.S Department of Education and Fed Loan Servicing. In 2018 ( I was recovering from XXXX XXXX ) and I was contacted by an agency that said their name was " XXXX XXXX XXXX. '' They also went by the name " XXXX XXXX XXXX. '' I am a licensed social worker in MA and this agency informed me that I was allegeable for a public service or loan forgiveness program, as I worked and continue to work for a non-profit. They had me complete some paperwork and then told me I was accepted for loan forgiveness and instructed me to stop making loan payments. I later learned that I had been scammed. They took money from me and I missed 4 loan payments that are now on my credit report. I did submit a " Direct Credit Dispute Form '' with Fed Loan Servicing and provided evidence of the fraud. Fed Loan servicing agrees that I was scammed but stated that I must contact FTC to make a report. I did submit a report with FTC - but it says clearly that its just for reporting but can not solve the issue. The FTC voice mail instructed me to contact Consumer finance to submit a report and provide evidence of the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts appearing on my credit file due to Fraud

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 2017-12-03
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Current status : Resolved - claim not paid Help for Resolved - claim not paid layer Claim ID : XXXX Claim amount : {$2600.00} Initiation date : XX/XX/XXXX Merchant name : XXXX XXXX Transaction Date : XX/XX/XXXX Transaction Ref. # : XXXX Message date : XX/XX/XXXX Subject : We received your claim and it is currently being researched. 
That is the response I got from my credit card bank of America. I purchased a bag from XXXX and it was advertise as Authentic and with all the supporting documents included, I believe the seller but the bag was broken so took it to XXXX to get it fix and behold they told me with letter that the bag was counterfeit. I called XXXX and there is nothing they can do because the 30 days money back warranty is over. I called XXXX and they told me that I have to call my credit card company which I did and they asked me for supporting evidence which I submitted the letter from XXXX. I did n't hear anything from them until over a month. Then I called XXXX, to what my credit card decision and they told me that I missed the window of time frame which is 180 days and that was XX/XX/XXXX. But when I first called them nobody told me. I called my credit card company again and told them that I believed they did not investigate in my behalf, because if they did, in fact investigate and called XXXX, I would 've been covered. They pin point me from one XXXX, to credit card and XXXX, when I called them they told me to reverse the call back to credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I leased a car from XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX to my surprise it showed a lower score than what I recently received from my bank. I was told the car was going to be financed by XXXX XXXX  which was not so. I gave XXXX XXXX permission to run my credit through XXXX XXXX once however, the dealership placed two hard inquiries on TransUnion and XXXX without any information under XXXX XXXX. 

Furthermore, the score their system came back with was lower than what I recently obtained from XXXX and that resulted in me paying a higher rate than what the car lease payment should have been. I called the dealership and left two voicemail messages for the finance department to get an explanation why two inquiries were placed on my credit report no one returned my call.

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: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dated XX/XX/19, I received notice from LVNV Funding LLC in reference to debt owed of {$750.00}. Please provide validation of this debt per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had to file a Bankruptcy on my home. My deceased mother fell behind on the property taxes and the only alternative I had was to sell the home. Whatever was owed at the time of the closing was paid out. 

I am in the process of buying a home and would like this to be removed if possible. 

Sincerely, XXXX XXXX Phone : 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 non-monetary relief
Consumer complaint received 2017-12-03
Company: SUNTRUST BANKS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX/XXXX/XXXX I redeemed some of my rewards points for my suntrust credit card for three {$100.00} XXXX gift cards. They never arrived. I called Suntrust and they were very unhelpful, they refused to just give me the gift card numbers, or to cancel the gift cards and send new ones. I also filed a complaint on XXXX I believe but I have heard nothing back from them, they have sent me no updates, or even an acknowledgement that my complaint was filed.

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Trans Union is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )

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 2019-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
it has been almost one year I am dealing with Equifax, they refuse to remove fraudulent information from my report. I sent the Police Report also FTC report, but they don't remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: U.S. Auto Credit Corporation
State: VA
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:
InXX/XX/2016,IwastoldbyacarlotownerthatIwasnotgoingtobethecosignerbutatemporaryco-signerforapproximately30dayswhichwould'vebeenaftermydaughterhadproducedapaycheckfromhernewjobbyXXXXXXXXofXXXX,VA.Theowner/carsalesmantoldushewouldtakemynameofftheloanandthecarwouldonlybeinhername.Theownersaidhewouldnotturntheaccountovertoacarfinancialagencyandkeeptheaccountasin-housefinancing.IaskedifIcouldgetthisinwritingandhestatedthatIcouldtrusthim.Whenmydaughtergothercheckandpresentedittohimhehadexcusesastowhyhecouldn'tputitinhernameonly.Duringthistimehedidn'tinformherthathetransferredtheaccounttoacarfinanceagency.Aftermorethantenattemptstoincludepopupvisitsatthecarlotandphonecallswewereunabletoreachtheowner/salesman.Approximately18monthslaterIreceivecallfromUSAutoCreditstatingthatmycarpaymentislate.IinformedthemIhadnoacknowledgedthatmyaccountwastransferredtothemandtoldthemwhatwasgoingon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: DE
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 filed for bankruptcy. In speaking with my attorney, he advised me to stop automatic payment withdrawals on all credit cards which I did. I cancelled my Wells Fargo XXXX account three times since XX/XX/XXXX. I have emails to show the cancellations. The withdrawals still came out. This last time the withdrawal caused my account to go negative. I called them to complain about the situation that they have now taken approximately {$400.00} out of my account that was not authorized. They spoke to me as if I was uneducated and said I must not be cancelling it correctly yet I have emails showing the cancellation should have been completed. They told me I was re enrolling which I most certainly did not as I was following my attorney 's advice. I will now have to open a dispute with my bank since the charge came through. I just think this is very unfair since I cancelled the automatic payment withdrawals.

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