BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: WELLS FARGO & COMPANY
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:
I have been in contact with Wells Fargo regarding my XXXX credit card incorrect information being reported to the credit bureaus. I had contacted them for the 7th time via phone this afternoon regarding inaccurate balance being reported with the credit bureaus a late fee of {$27.00} that was in accurately charge to my account and which I have never been late on any of the two payments that have only been made since acquiring my XXXX   credit card. I also have made two payments in the months of XXXX and XXXX and which XXXX  Wells Fargo shows payments in XXXX and XXXX which is an accurate report filed. Wells Fargo admitted it was a bank error and would submit a positive report so it may reflect positive changes with my FICO score since losing over 40 points due to the constant and accurate reporting by Wells Fargo regarding my XXXX  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 non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had been a victim of XXXXdentity Fraud on the date of XX/XX/2022. My XXXX phone was hacked and all the money in my Bank of America Savings & Checking Account was being used in various locations for various things. These charges range from the low hundreds to the thousands until the account had been run dry. I found out days later after the damage had been done. I went to my Bank of America Financial Services location to put in a fraud claim on my debit card and checking account. I also needed to go there to verify my identity with them physically, because the fraud activity rendered me unable to log into my mobile banking app which made it impossible to see what was going on. The claim was put, but I didn't get hardly any of my money returned to me. This has been going on for about a month now. I've been a member of this Bank since I first got a debit card in the early 00 's. So much so that I'm a " Preferred Customer ''. I've heard so much that the bank usually just refunds your money and continues investigating. In my case, they didn't even try. Now they've closed the case and say that they're not going give me back the money. I have a police report, bank statements, claim numbers from the bank and the phone company ( XXXX ), with dates, times, and other information. I have sent this information to the bank to help them with their investigation. They seem to be just ignoring me. Im being discriminated against by this bank and I need to know why. I don't have a job right now because I quit to caregive for a member of my family. I saved that money i had to prepare to go without a job for some time to help my Grandma and my family. Please help me. 
XX/XX/XXXX. Bank of America Claim # XXXX XX/XX/XXXX. XXXX Fraud Claim # XXXX XXXX XXXX Sheriff 's Department case # 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 monetary relief
Consumer complaint received 2017-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS LN XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XXXX, a short sale package was submitted to Select Portfolio Servicing. On XXXX we called in to check on the progress of the short sale package and on the foreclosure sale date. We were told that no short sale would be initiated, as it is less than 30 days prior to the sale date of XX/XX/XXXX.
<P/>
SPS claims they fulfilled their obligations to offer alternatives to foreclosure on XX/XX/XXXX by extending an automated trial loan modification that violates underwriting guidelines by not reviewing financial documents first to ensure that the borrowers could afford it. Furthermore, this resulted in a proposed payment of over {$3200.00} per month, which is higher than their current payment. Clearly, if the borrowers can not afford their current payment, they can not afford a higher one, so they did not respond to this offer. This represents both servicing and loan fraud. Federal guidelines for granting a loan modification were completely ignored! There was NO WAY this would have been approved if it were reviewed for financial capacity to pay, as that payment would have resulted in 50 % of their net pay.
<P/>
SPS has historically offered these fake loan modification trials to every client that is in default, in an effort to game the system by claiming that this then satisfies their obligation to offer alternatives to foreclosure, when these payments 100 % of the time are higher than their current payment and have not been reviewed for the borrowers ability to pay. This does NOT satisfy that requirement as it is never viable.
<P/>
If the borrower can not afford the payment they currently have, on what planet could they possibly afford a higher payment?????
<P/>
How can this even be called a loan modification?!!
<P/>
When will the CFPB finally do something about this predatory company and stop their outright servicing and loan fraud?!!
<P/>
SPSs FRAUDULENT GAMES need to STOP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
This complaint is for the lack of caring or reading comprehension for my cfpd complaints as now USAA is closing my complaints without even reading them/ responding to them. 

USAA marked my complaint XXXX as Marked as a duplicate complaint on XX/XX/2022 even though I went through USAA responses and inserted my comments to their responses. It's obvious USAA does not care to communicate in a fair/reasonable way. 

I'm making this complaint because USAA says I'm making un-founded claims however I assure you USAA continues to make unfounded claims on my credit report and continues to lie and attempt to re-insert the accounts on a near-monthly basis. This complaint is to show how shady USAA can be and how they really don't care. 

Also, USAA claims " if you have any additional questions, XXXX XXXX '' however when you try to call you just get sent to voicemail, and the voicemail is never returned because USAA doesn't look into anything or care about getting back to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the last 21 months, we have paid our monthly payments for our Santander auto loan. However, Santander continues to report the debt as charged-off. The vehicle is now, and always has been, in our possession. Santander is falsely reporting the debt as charged-off to the credit bureaus, while accepting payments from us and listing the account as Active on their website. We need Santander to correctly report our credit to the bureaus, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Lakeside Receivables LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A woman by the name of XXXX XXXX has repeated called my family members asking for me after being asked to stop. On XX/XX/XXXX, XXXX XXXX left a voicemail on my family member 's cell phone ; however, she never identified herself as a debt collector. On XX/XX/XXXX, XXXX XXXX also contacted another family member by phone at their place of employment. XXXX XXXX contacted me today, XX/XX/XXXX from an " unknown '' number. She did not identify herself as a debt collector. Upon asking for her company name, she stated " Lakeside Receivables ''. These calls from XXXX XXXX have been happening since late XXXX. They either call from different phone numbers or blocked numbers to disguise themselves. I have no debt with Lakeside Receivables and ask that they be sent a warning letter to cease all contact to me and any of my relatives, former or current employers, friends and associates. 

Phone numbers associated with these calls from XXXX XXXX of Lakeside Receivables are : ( XXXX ) XXXX ( XXXX ) XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from XXXX stated that someone is trying to open a Wells Fargo Bank account under my 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requesting the account listed below to be removed immediately. 
XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-02-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 Chase bank closed my account for no apparent reason. I have been a long time customer. They are holding my money and refuse to send it to me. They have my NY unemployment benefits and social security XXXX a combined amount of XXXX. They claim they sent me a letter but they sent it to my account which is closed neither myself or them can open it my old checking account was XXXX I want and need my money I'm behind rent and necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Lewis & Clark Capital LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
FTL Finance has been calling my parents and even my brother I dont speak to about my debt even though they are NOT on the loan and I have not authorized them to contact these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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:
Equifax gave me someone else 's credit report. I was using the official Equifax free credit report site ( URL available in the screenshots ), I began the process to receive my report by typing in my personal information and last 4 of my social like normal. After I submitted my answers to the identity questions ( which made sense to my real identity ) the next page gave me someone else 's personal information and credit report! I was giving a whole PDF document of someone else 's credit report! The information received had a similar SSN, but totally different state, sex, address, etc. This all occurred about an hour ago around XXXX X/XX/17. Not only did my information get breached but now it looks like Equifax is handing out other people 's private information. The PDF has more information than the website viewer. I have proof that this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/2020 XXXX XXXX XXXX paid off loan {$28000.00} XX/XX/2020 XXXX XXXX auto pay {$630.00} from my checking account XX/XX/2020 XXXX XXXX assessed me {$28.00} non sufficient fund XX/XX/2020, I reached out to MB customer service. They will refund the {$630.00} but not the {$28.00} assessed fee. It does not make sense to me why auto pay was activated when loan is {$0.00}. This has caused an inconvenience to me during this pandemic crisis. Per customer service I need to call my bank regarding the NSF fee. There is no justification why they won't pay the {$28.00} it was their mistake. It's not a lot of money but it's the principle. 

Thank you for your time and kind consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payment amount went from {$22.00} to {$350.00} with no warning from XXXX, this was charged to my account through automatic debit and it is something I can not afford this month. XXXX has repeatedly not made themselves available to mitigate this issue. They do not answer their customer service hotline and I am unable to speak to a representative to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have six different loans with Fedloan servicing, I recently refinanced my home and sent three checks with clear instructions for Fedloan Servicing to apply those three checks to three of my loans ( loans with higher interest rates ). I made a cover letter for each check with clear instructions and also wrote clear instructions on the checks about how to apply the checks. I called their customer service and they said that they'd apply the checks as I requested. However, they just spread the amount among all six loans and left the higher interest loans with higher remaining balances. It's completely against what I had requested. I haven't received any resolutions yet, Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ordered the new XXXX, but accidentally ordered the wrong one. 
I immediately contacted merchant ( XXXX ) Who canceled the order. 
The pending charge and associated payment plan has been pending on my account since purchase ( XX/XX/21 ) Goldman sachs refuses to drop the pending charge which maxes out my credit limit. 
I have personally been on the phone while XXXX reps tell goldman sachs reps that it was immediately cancelled.

Yet goldman sachs is holding my entire credit limit hostage. And they refuse to tell me when it will release. 
It has now been 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31
Company: WELLS FARGO & COMPANY
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Called company regarding the loan, no information has been provided regarding the sale of the vehicle.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
Ive disputed this account XXXX XXXX XXXX with Experian multiple times and each time have submitted proof that XXXX XXXX XXXX is in violation for their inaccuracies with reporting per the FCRA. Ive submitted documentation showing how they repeatedly reported inaccurate payment history across all three credit bureaus and even so a letter signed by XXXX showing inconsistent and inaccurate information. The letter stated that the account was opened in XX/XX/XXXX but repossessed in XX/XX/XXXX in which this letter came from XXXX XXXX themselves. The account mentioned above has been disputed and everyone XXXX has not marked it as consumer Disputes in the comment section as they are supposed to by law per the FCRA whenever an account is disputed which is a violation. Experian continuously keeps allowing this wrong reporting even when provided with evidence of of such violations and inaccuracies. Across all three credit bureaus XXXX XXXX has not marked any of them as disputed and steadily be in violation. This type of reporting has caused great harm to my credit report and even so denied me a job with the police department which I will attach all evidence to this claim. I plan on taking affirmative action and to court to claim money for damages which is {$1000.00} per violation of such reporting continues

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 2021-09-16
Company: CNG FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have spoken to someone from Check & Go in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency XXXX XXXX XXXX being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on XXXX XXXX XXXX XXXX XXXX collection agency. I received a response from them within 2 days. XXXX told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on Check & Go, XXXX XXXX XXXX XXXX XXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.

Company response to consumer: Closed with explanation