BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My experience as a client of Wells Fargo during the last few years has been terrible and I have been trying to refinance my home mortgage with XXXX, and stop my relationship with Wells Fargo. Having been already approved by XXXX on the refinancing, we are still waiting for Wells Fargo to finalize their internal legal processes ; most importantly finalizing the XXXX transfer, assignment of the loan to XXXX, so that I do not have to pay for mortgage taxes twice. We submitted all required documentation more than 2 ( two ) months ago and have not heard back yet. My lawyers reached out to Wells Fargo and were not able to get an update on the situation, and just got a message saying that these things take time. After having refinanced mortgages in the past, I can say from experience that the most this has taken in the past was 2 to 3 weeks..and we are now on week 9. This is causing significant  issues on my side, given that closing of the refinancing with XXXX is still pending subject to receiving the loan assignment and as with any refinancing, every day that goes by poses significant risk that the approval already obtained could be revoked. I spoke with XXXX XXXX whose supposed to sit at the executive level ( @ XXXX ext XXXX ) who told me that it's an issue I need to resolve with the lawyers that Wells Fargo hired. I answered that if Wells Fargo hired them to represent Wells Fargo, and they are working on behalf of Wells Fargo but not getting the results we'd expect, then Wells Fargo is the one that should resolve the situation and look into the case to try and see what's wrong, and getting fixed. Her answer was that it's up to the lawyers. It all feels like Wells Fargo is dragging their feet, just to keep my as a client for longer, maybe indefinitely if XXXX decides it's been too long and cancels the refinancing. At this stage I really don't know what else I can do to get the required documentation from Wells Fargo to move into XXXX. 
Any help will be greatly appreciated.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XX/XX/2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XX/XX/2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XX/XX/2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XX/XX/2021 {$240.00}

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 2019-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX//2019 there was a concert that i wanted to attend so i went on XXXX to try and look for some tickets, some last minute deals, so i found this one that seemed alright. I contacted the seller through text and we started to just talk about the tickets, like what section, and stuff like that. I was ready to buy but before i sent any money i had him/her send me proof of their purchase or a order conformation number, which they did and they were bought through XXXX. i called XXXX   to make sure that conformation number was real and he said that those were indeed theirs, so i felt alright. The seller then wanted me to send money through XXXX  which my bank uses so i felt even better because i thought if anything goes wrong i can just get my money back. I sent them the money for the tickets, exactly {$120.00} for 2 Tickets, he/her was taking a little long to reply to my texts so i got worried. eventually he texted back and sent he sent the tickets to check my email, so i checked and the tickets were there and i felt relieved, i thanked them so much for it, they probably just laughed off how they just tricked me, anyways i get to the venue and i go to open my email for my tickets and i have an email from XXXX saying that the tickets that were transferred to me were not valid that the buyer bought them fraudulently and that the original order was cancelled, honestly i was mad and felt XXXX plus i invited my friend as a surprise and that was embarrassing. i tried calling and texting the buyer but i guess they blocked my number. i called my bank ( fifth third ) and they said they couldnt do nothing about it because its a 3rd party transfer, but yet they still use them and XXXX cant do nothing about it either because they dont offer fraud protection which i didnt know until now. so now i dont know what to do, in my situation that XXXX  hurts i sacrificed it to be able to go to this concert but yeah its not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
Bank of America # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.

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 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I agreed to add XXXX XXXX to my Capital One Card and assuming all responsibility knowing that It had a credit limit of XXXX imposed on the card. I knew that as my fiduciary Capital one would not let any charges over this amount XXXX XXXX used the card to rent from XXXX and they imposed a XXXX deposit XXXX XXXX rented the car, signed for the rental, filled out the paperwork and gave all required information assuming responsibility for the car After seeing how the card was used, I took XXXX XXXX off the card and Capital One helped me change the account numbers so no other charges could be applied. This was before the back charge of XXXX was applied Obviously XXXX XXXX did not return the car as agreed and XXXX then imposed a XXXX charge several weeks later I contacted Capita one and disputed the charge due to it was XXXX over my limit and XXXX no longer had access. The account number they had were no longer valid, they had to be provided by capita one, ( which is illegal ). 

Capital one provided them with the new account number without my approval and a XXXX charge was installed on my account Interestingly enough, several months ago, I contacted Capital One about raising my limit and was declined. However after I disputed this charge, Capital one raised my card limit in order to handle the charge. Isn't that convenient, XXXX has the ability to raise my credit limit, but I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Stellar Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a mortgage and my credit was pulled. My loan officer noticed a recent collection account at stellar recoveries for XXXX XXXX. I had no idea what it was but he gave me a number and I called it. They told me i had to pay it so i did even though it was n't my debt. I researched it further by calling XXXX XXXX and gave them the account number which is XXXX. They found that the debt was not mine and under someone elses name but said i needed to call stellar recoveries to have them remove it from my credit bureau and reimburse me for the {$250.00} I paid. I called Stellar Recoveries yesterday XXXX XXXX XXXX and they said that they could n't help me because it was paid and that i could n't do anything. I contacted the loan officer and he gave me this website. Please correct my credit report as soon as possible. If any questions, I can be reached at XXXX. Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: La Casa Bonita Investments
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2017, we contacted 1File.org in order to inquire about loan consolidation. During the initial consultation with XXXX XXXX, he was very helpful, but misleading. XXXX told us that the {$280.00} payment that was to be made three times was to go towards unpaid interest on our current loans. After that, our monthly payment was {$46.00} ( {$39.00} toward their fee and {$7.00} toward the loan ). After paying our three {$280.00} payments, they took from our account {$39.00}, not {$46.00}. Meanwhile, we are being contacted by XXXX XXXX in regards to late payment. We found out that we owed XXXX XXXX {$56.00} every month for our consolidated student loans. After contacting 1File, we were informed that the three payments of {$280.00} was a fee and not an unpaid interest payment toward our original loans. In addition, they take their fee of {$39.00}, but then we are responsible to pay XXXX XXXX. XXXX told us that 1File would distribute the {$7.00} for us. Also, I don't know where they came up with {$7.00} as a minimum payment because XXXX XXXX requires {$56.00}. So now, I am paying interest on top of consolidated interest. This is a complete scam. They lie to you and then charge you. This process can be done for free. Why would anyone in their right mind pay {$840.00} to have someone file paperwork for them? They would if they were told that it wasn't a fee but an unpaid interest payment instead. They will try to say that we agreed to everything via a recording, but what they don't have is all of the conversation before the recording where XXXX talks fast and then we respond " yes '' going off of the previous conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Global Lending Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: PA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-04-30
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After many attempts to coordinate billing efforts with XXXX XXXX Hospital I  have called in to ask repeatedly, multiple times per year - for MANY YEARS - to assure that I have paid ALL of my bills, as XXXX/XXXX Hospital ( they used to be separate but now the have merged ) - this entity has a lengthy history of NOT notifying Patients/Clients/Customers of their bills, providing incomplete statements, providing services from unauthorized individuals ( read : blacklisted 'doctors ' who should be barred ), and fragmenting accounts, making it virtually impossible for Patients/Clients/Customers to pay bills in a sincere, deterministic, and reliable manner. This is one of MANY instances where I received a past due, or in this specific case a COLLECTIONS letter on an account after repeatedly calling in and doing a full accounting, requesting clarity of accounts and any/all bills due for my wife, my children, and myself. 

I am so sick of this - its just plain wrong. This has been going on for years!!! I have near perfect credit and that takes hard work and mindful presence. The processes of these companies violate this on that level ... 

Specifically, for THIS complaint I was NEVER notified of ANY due/bill/charge for the service reflected in the attachment, [ XXXX XXXX HOSPITAL account number XXXX dated activity XX/XX/2017 balance {$10.00} ] - This was apparently provided for my daughter in XX/XX/2017, which also seem to be a very short period of time to go into a collections process ... I would have thought maybe 90 days after a KNOWN bill, or 6 months after something like this - but it has not even been that long, its just more random awkward incorrect unprofessionalism. 

I am confident that someone from the CFPB can look into this and apply a corrective action to prevent, or at least minimize this from happening in the future. 

In addition I will be opening another complaint specifically again XXXX   hospital for their inconsistent charges, whereas they provide services to Patients/Clients/Customers at one of their own 'owned/affiliated ' facilities for one price, and the same services at another, often for 3 to 4 times the cost - for the exact same service. 

Thank You.

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 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2019-03-21
Company: Experian Information Solutions Inc.
State: AL
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:
Hi, my name is XXXX XXXX XXXX XXXX and I started disputing a bankruptcy on my credit report from Experian XX/XX/XXXX. It is erroneous and inaccurate and should be deleted from my credit report immediately because it is stopping me from getting credit. I wrote them asking them in the first letter according to the FCRA section 609 how did they verify this bankruptcy and they sent me an updated copy of my credit report saying it's been verified. I sent another letter on XX/XX/XXXX according to the FCRA section 611 asking them how did they validate this bankruptcy and they said through a 3rd party XXXX. I have proof that they did not do a full investigation on my report because I pulled my XXXX report and in the bankruptcy section it says No Records Found. And I got a letter from the courthouse saying they don't give any information to reporting agencies, so how is Experian reporting this bankruptcy. I uploaded all the proof I have can you please help me get this inaccurate bankruptcy off my credit report. Thank You

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 2021-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 at about XXXX XXXX, i tried to use the Bank of America ATM ( on XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit XXXX $ in cash. The ATM did not have any restrictions on the cash amount that could be deposited beside the restriction on the amount of bills it could accept at once - XXXX bills. I inserted XXXX of XXXX $ bills. The ATM was counting the bills as normally would do, then it stopped and asked me to input the amount of $ that i was depositing. Shortly after it gave me an error message and spited out a receipt of my " XXXX $ '' that i deposited and a message that there was an issue and i should call a number ( that was on the receipt ). I entered the Bank that the ATM belongs to, and their staff just told me to call same number. I called the number from the receipt. The first representative told me that at that time they couldn't do anything and that i should wait for 10 business days for them to investigate the case and 45 days for the case to be resolved. I told her that i could not wait since i am XXXX XXXX and in process of relocating to my next duty station in XXXX. More than that, i needed those money to complete a financial transaction in XXXX ( down-payment for a car ) that should've to be completed in less then 5 business days or i would loose the car and my deposit ( XXXX $ ). I asked the representative to transfer me to someone so we could expedite the process. I was transferred to a wrong department. I had to call again and i spoke with another representative ( XXXX ) and after i explained everything, he told me that he will send a message to the " back office " to expedite the process of crediting me the rest of the amount ( XXXX $ ) until they finish the investigation. He told me that i should have a response on the XXXX of XXXX around noon. I called today ( XXXX XXXX ) at noon as agreed, but the representative that took my call ( XXXX ) told me that there's nothing to be done but wait. I asked him to connect me with his supervisor since a REALLY NEED MY XXXX $ that their ATM stolen from me. 
His supervisor called me in about half an hour, but the phone call has not productive at all. I asked to be connected with someone who could expedite the process since i would leave US in 2 weeks, but he just said that there's nothing to be done but wait. 

I am very frustrated, feeling that Bank of America robbed me. I totally lost my confidence in this institution. 

We are talking about my XXXX $ that i need in couple of days or i will lose money!

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 2022-09-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, thank you.

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 2022-03-11
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out a year ago in XX/XX/XXXX that I owed money to XXXX XXXX XXXX in XXXX Va from XXXX of XXXX. Never was aware of this until I had my credit checked in XXXX. I was never sent any information on this at all. When I found out I reached out to the property manager and was told I could satisfy debt with the XXXX XXXX XXXX and that the amount owed would be on the website as well. I did everything I was told. ( The amount given from property manager was different from amount shown on credit report. ) I took money orders to the property manager, had them signed, received letter saying it was paid and also had the judgement satisfied the court house on XX/XX/XXXX. I have proof of both and the company will not remove this from my credit and will not return my calls to let me know why this is going on.

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