BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-24
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Today I received a phone call from a ( XXXX ) XXXX and it was a recorded message stating that they were calling to attempt to collect on a debt. I listened to the prompt and held on the line to speak to a representative. The gentleman asked for my name and account number. I advised him of my name and stated that I was not aware of the debt and do not have an account number. She states the last XXXX digits of my cell phone number and asks if I am aware of this account. I say that is the last XXXX digits of my cell of and he hangs up on me. So I call back and speak to another person and he states that the call was in regards to a debt with US Bank. I tell him that I have settled this debt with another collector as of XXXX/XXXX/2015 and have documentation to prove it. He states to call him back and his name is XXXX XXXX at ( XXXX ) XXXX ext XXXX. So the number and ask to be forwarded to him but I placed on hold for a very long time and do this twice. I called again and spoke to a lady and stated that I have the documentation to show that it has been paid. She expresses that once I served I can take that paperwork to the judge to have them dismiss it. 

I have never received any letters or previous notices from this company or the " law firm '' they claim to represent. So I called US Bank to see if they could be any assistance and they stated no because they sold the debt to another agency and to speak to the agency that I paid. At that point tried to call XXXX XXXX at ( XXXX ) XXXX. That number is disconnected and the website is no longer active. This is a XXXX time that I have been contacted by a agency or law firm regarding this debt. The last time was on XXXX/XXXX/2015 by XXXX ( 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
Consumer complaint received 2016-12-02
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a land loan through the XXXX ( XXXX ) in XXXX. They have contracted through Dovenmuehle Mortgage Inc. for loan servicing. To say that Dovenmuehle Mortgage Inc. is inept would be giving them too much credit. To date I have been unable to access my account through their website XXXX.com and repeated attempts ( over 30 phone calls and representatives ) have been unable to provide any resolution. I have already exhausted every level of their Tier support system and have had over 10 phone calls either disconnected or outright hung up on me. I sense there is some type of fraud being conducted because they refuse to give me access to my loan balance, escrow and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had booked a flight ticket on XXXX XXXX through American Express Travel portal for both my parents in the amount of {$2600.00} and had to cancel that due to XXXX. I was provided an airline specific credit in the total amount to be used until 2024. 

I'm trying to utilize that credit and book a flight for my parents on XXXX which costs {$1200.00} for both of them. However, American Express Travel is quoting a price of {$2500.00} + a {$150.00} change fee. This is more than double the cost of the ticket and is a simple case of American Express attempting to defraud me. I've contacted Amex Travel and their customer care multiple times and each time, their representatives hang up on me. I've been even put on 2+ hour holds at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I went online XX/XX/XXXX to make a mortgage payment to Wells Fargo Home Mortgage of {$1300.00} which is my normal payment. I noticed the payment had increased from {$1300.00} to {$1300.00}. My normal escrow analysis was done XX/XX/XXXX and my payment had gone up due increased property taxes and property insurance.I called Wells Fargo and talked with customer service agent XXXX on XX/XX/XXXX and proceeded to tell me the increase was due to a mistake in the modification process of my loan XX/XX/XXXX. XXXX also stated to me to protect my credit that I should go ahead and make the new payment and Wells Fargo would talk to me later about it.Wells Fargo has not contacted me in any form including mail, email, fax or phone to alert me of an increase of my mortgage. Wells Fargo refuses to accept my normal payment of {$1300.00} and due to this stance my credit record is now in danger. I am on Social Security XXXX and every dollar counts to me. How can a bank just decide to increase your payment out of the blue without proper notification and then refuse to accept the normal payment. I have reviewed my closing statements of the modification XX/XX/XXXX and Wells Fargo is incorrect.

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 2015-12-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, the house that I am currently staying in is going into foreclosure. The main chunk of this problem began when the member of family, also one staying in this house, did not notify me of any form of delinquent payments. They have been stacking up since XXXX of 2015, and I was not made aware of this until last month. It was also the end of last month when we got up the spare money to pay up the delinquent payments. Though the bank refused to accept the money, telling us that the house is being foreclosed upon. 
The reason they do not want to talk to us is because when our mother died intestate, and had no will. Her death was approximately two years ago, I was told that a lawyer was being talked to for probate. However, I do not know how legitimate these claims of my sister are. 
I would like help to get the house payments current, as it is today on XXXX XXXX, 2015 the amount owed is approximately {$2900.00}. I, have a vested interest in keeping the house, where as XXXX of the XXXX of us siblings do not. The third, my elder sister, does not seem to have a vested interest in keeping the property. I will also be consulting a housing counselor to see what can be done. I will also be writing a letter and sending it via certified mail, after obtaining assistance form a counselor. 
I do n't know if it will have this on a later step, but I do make enough money to pay easily up to {$600.00} a month on the mortgage. If there is anything else that needs to be obtained, I am free to be talked to about this matter. I do also have the FHA number that can be given at any time, if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I paid my credit card bill they took out the money out if ny account XXXX times XXXX got reverse the other payment is lingering. When I check I have no available credit when I paid my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXXXXXX XXXX  XXXX Account Number XXXXXXXX XXXX  XXXX Account Number 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 an account without my written instructions

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 2022-05-15
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2016-05-24
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove 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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX 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.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may concern I have what I believe is a very simple problem XXXX  shows all my accounts but transunion and XXXX   do not show. I will show you current screen shot of XXXX. Hope this  can be resolved asap

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 2016-10-04
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried numerous times over the past several months disputing inquiries with credit bureau for inquiries I did not apply for a job or was granted a line of credit with companies who pulled a credit report inquiry. I have also mailed each company directly several times over the past several months and am not getting responses Below is a list of unknown and unauthorized inquiries. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX A XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SER XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Update to complaint number XXXX appears to be a duplicate of a complaint we already have on file for you under number XXXX. 
I filed complaints regarding Wells Fargo Surepay service. In the latest letter from Wells, again refusing to refund my funds to me, they included their account disclosures. Under Section 14 " Responsibility for Errors '' there is a clause that indicates they will make 'all reasonable efforts to reverse or delete such instructions '. It goes on to say that the user accepts all responsibility for losses resulting from those errors. 
I do n't think that Wells has acted in good faith in abiding by this section : 1 ) they told me where the money was and gave me the tracking number and the routing number and name of the institution where the money went-so they know where the funds went. Giving me this information does not sound like a good faith effort on their part to 'reverse or delete such instructions ' ; 2 ) I called and asked Wells Fargo to simply reverse the wire transfer and obtain my funds back. They indicated they could not do that. 
Well, their disclosures indicate 'good faith effort ' but their real actions on this were similar to throwing their hands up in the air and doing nothing on my behalf. 
Section XXXX B indicates that payments are not final for 60 days and the member may seek to recover funds during those 60 days. While this applies to payments received by members, it certainly indicates : 1 ) there is a process for recovering payments and 2 ) payments made within 60 days are definitely open to being recovered. I notified Wells within 5 days of the error and have received nothing from them except indications that they can not, or will not, do anything to correct this error.

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 2016-03-08
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
There are XXXX student loan accounts for my Daughter that i was a co-signer on. XXXX of these account were in collection. The agency that serviced these accounts was AES and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX XXXX ) was settled in full thru XXXX XXXX. The XXXX loan on XXXX/XXXX/XXXX AES/NCT was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX.who contracted by Nation Collegiate Student Trust XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. AES claims they have nothing to do with these accounts since they wrote them off XX/XX/XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. AES has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the NCT loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent AES letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the AES/Charter ( citizens ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to AES they absolutely refuse to report these accounts as settled in full. AES says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the AES/NCT. As i said AES did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and AES and the credit agencies refuse to correct this. Your our last resort. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had XXXX modification with no help. Never received any considetationin lowing my payments. I following all guildlines required under the HAMP. Also, I went through the three months programs in a timely manner. My issued beingthey never decreased my interest rate to help me with my payment. The 31 % guildline make it imposible to obtain. No flexiable consideration offer above of be-low this percentage consider. Never given the consideration due to the basicincrease in Taxes, Hm Ins. Food and transportion. I feel they are discrimationinvolve and dont want us to modify due to my race. We only want to make a reasonable payment. On limited income soc sec.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: SC
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:
Improper inquiries that I didn't authorize XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Credit Bureau XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans Union is Reporting on my credit report false and miss leading and fraudulent Inquiry on my credit report I did not authorized all of the Inquiry and all Inquiry are Fraudulent Please delete off my credit report at ones and I send in a FTC report just like Trans Union ask me to do and all Fraudulent INQUIRIES are still on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: AmWest Funding Corp.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
HI, In XXXX once the stay home order was issued in california, and as a realtor i lost all my listings and business. I emailed my loan company amwest mortgage. I told them I can't make XXXX payment, please help. They finally responded after a few emails in late XXXX and said they didn't get the emails and now would agree to defer XXXX and XXXX, and add it to the next 4 payments starting in XXXX. I told them thats a crazy amount, i want to pay in XXXX since real estate takes a few months to sell again, and move the XXXX, XXXX, and XXXX payments to the end of the loan. They don't respond. Please help. all other banks are doing this or lowering rates and payments like a loan mod. I have never been late and was pro-active here reaching out. They also added a late fee, and have continued predatory lending saying the investor doesn't care about covid-19

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: TX
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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