BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I took a mortgage with  Citi in 2015. My wi fe and I moved assets to the bank to obtain a mortgage discount of 0.25 %. Within the last several weeks I received a check from Citi stating that they realized they had made a mistake and did not apply the agreed discount to the mortgage. They applied a 0.125 % discount instead of the full 0.25 % as agreed. They included a check for the amount  XXXX . This is for five years of interest on the difference between the agreed interest rate and what my wife and I are currently being charged. This was Citi 's mistake and because of it I am being forced to accept a partial reimbursement. They are only willing to provide me with a check for 5 years of the interest difference rather than the full 30 years. The difference is ov er 18,000 doll ars. This is not something my family can afford to accept. This is a long term home for our family as evidenced by a 30 year fixed loan and we should not have to accept  Citi  's partial payment for their mistake.

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 2016-03-17
Company: American Credit Acceptance, LLC
State: FL
Product: Credit card
Issue: Other

Complaint:
I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I got a notification from XXXX that Credence Resource Management collection account was on my XXXX  credit report in the amount of {$1400.00}, and ORIGINAL CREDITOR is XXXX XXXX. The account is opened on XX/XX/XXXX. I do not have any XXXX  services or credit or something like that. I believe this is a case of fraud or a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I PAID .WELLS FARGO BANK OF XXXX IL. XXXX XXXX. DOLLARS ON XXXX/XXXX/2016. THEY ACKNOWLEDGE RECIEPT BUT DO NOT KNOW WHERE MY MONEY IS AND DO NOT KNOW WHY IT IS NOT CREDITED TO MY ACCOUNT.

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 2022-04-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing this complaint because i am a victim of identity theft. I lost my wallet and in order for one of my accounts to get unrestricted I had to express my concern/issues to XXXX XXXX XXXX. There was different accounts open and amounts placed on the cards that was happening with fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
This issue is with Wells Fargo Bank. Unfortunately, I am a Wells Fargo customer. I got a promotion letter in the mail from Wells Fargo to apply for a Wells Fargo Discounted loan starting at 6.99 %. I go online to apply and the interest was at 8.97 % because I had excellent credit at XXXX credit score. I have no credit cards. I needed the loan for my wife 's XXXX that was n't covered by insurance. I get a call that the loan is approved and to come by the branch to sign the paperwork and obtain the funds. Nothing was mentioned to me about interest rate or payments. I go into the branch and low and behold I am blindsided by the banker with an interest rate of 13.99 %. I voice my displeasure and the banker makes a phone call. The manager says that is the best we can do. I had no choice but to sign the paperwork because it was too late to get the funds elsewhere in time for my wife 's XXXX. I did n't ' let this go and went up the chain. Someone in Iowa reached out about 7 weeks later and said sorry that is the best we can do. I believe that Wells Fargo committed Fraud here to obtain my business. They did the classic bait and switch option here. No wonder there new accounts are done by 41 %. This is truly unacceptable customer service by Wells Fargo. This is not the way to treat a Wells Fargo customer. I feel that took advantage of my situation because I need the loan funds to pay for my wife 's XXXX. Just plain not acceptable at all!!!!

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 2015-04-22
Company: United PanAm Financial Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have advised this company several times no contact at my employer or references. They disregard my request. On XXXX, I advised a representative of me waiting for my XXXX. I was n't certain on date. My instructions was to follow up on XXXX. Prior to follow-up, they were contacting references. The notes in their system did not match our conversation on XXXX. They did not take proper steps to review the call per my request. I spoke with a XXXX and XXXX that works there as a supervisor and I was verbally abused by both. I spoke with a representatives today prior to XXXX and she accepted the arrangements. He refused to honor previous arrangements and threaten to repossessions my vehicle. I just paid {$700.00} on XXXX. I owe {$140.00} to complete XXXX. My due date is on XXXX of each month.I advised him I will have current by XXXX. I can make {$150.00} a week until current which will be {$600.00} and my payment is {$430.00}. This is ridiculous. I have several emails sent to this company pertaing to the issues discussed. 
XXXX called a 3rd party number after the company was advised not to call. 
XXXX called a number that he was not advised to call that belonged to a 3rd party. 
He was argumentative regarding who answered phone. He was not willing to accept or attempt arrangements on the account when I paid {$700.00} on XXXX. He advised me no auto companies allow their customers to make late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX VIN XXXX from XXXX at XXXX XXXX XXXX, in XXXX Virginia. The Buyers Order and vehicle indicated that the vehicle had XXXX miles. When I tried to check its value for trade-in at XXXX, they provided a XXXX that listed a mileage discrepancy and placed the actual mileage at over XXXX thousands miles. The dealership advertises as a XXXX XXXX member. I was provided an AutoCheck history that did not reveal the mileage problem. Based on the XXXX the vehicle has a - {$280.00} ( NEGATIVE ) value. The vehicle was financed with NFCU FOR {$12000.00}. I think that the dealership knowingly misrepresented the mileage in the transaction as they had access to the XXXX documents. They submitted the false information to NFCU for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They keep calling me while I am at work. I have asked them to not call me during the hours of XXXX. I also emailed their main office asking them to have the local office not call while I 'm at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I XXXX XXXX have and address on my credit report that I never lived at or no nothing about. XXXX XXXX XXXX XXXX XXXX CA XXXX. I do n't know any one in this city or state, I have never been to CA. So I do n't know why this is showing up on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that 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 non-monetary relief
Consumer complaint received 2021-04-21
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. 
Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. 
I called Congress Collection, spoke to XXXX 's account manager, who and requested this issue to be resolved. 
Congress Collection has Just been taking me in circles to force me to pay for something I do not even owe. When I asked XXXX for details, her answer was always, I don't know, that's all I have. Account Name : CONGRESS COLLECTION Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$320.00} PAST due as of XX/XX/XXXX. Status Updated XX/XX/XXXX. 

This is violating my FCA rights, and under FCA I'm entitled to every single document prior to posting any negative item to my credit report, notwithstanding the fact that due to the COVID-19 epidemic, creditors are required to be more careful about verifying information prior to reporting delinquent incidents to credit bureaus. 


Congress Collection assuming that all they have to do is mail you a statement and you will pay immediately, no need to know who you owe what and why which is a clear violation of consumer rights to receive enough explanation about the charges. 

This was clearly an error from the XXXX  XXXX XXXX XXXX, who solicited my information from XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX keep saying they verified this incorrect Bankruptcy information on my file with the courts, when I call the courts they tell me they never verified any information. with the credit reporting agencies.

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 2021-10-29
Company: EQUIFAX, INC.
State: MI
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:
XXXX, Equifax and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance ; {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: ORG GC GP Buyer, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This my response to a complaint ( XXXX ) I submitted XXXX against GC Services! 

GC Services, responded to my complaint ( XXXX ) XXXX! However, this response is not acceptable, because they did n't give an explanation to the charge I made of presenting me with XXXX different letters which contradict each others : XXXX XXXX, XXXX letter showed a balance of XXXX XXXX XXXX compared to the other letter dated XXXX XXXX, XXXX had a balance of XXXX XXXX XXXX Since I paid the money to GC Services, I believe an explanation should be their responsibility to explain the differences! 

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the past XXXX weeks since XXXX  has been under a stay at home order due to the CoVid19 pandemic I have been unable to work and have contacted Rushmore Loan Management on multiple occasions to try and arrange a deferrment/forbearance option. Even though XXXX has declared XXXX a federal disaster state, they are still not offering me any relief on my mortgage that they bought from XXXX XXXX XXXX  months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to Remove XXXX XXXX from my Paypal account, but got an error message. I immedately contacted support. I had a XXXX week conversation via XXXX XXXX with Paypal trying to get the account removed. They asked me to change browsers and repeated info in the FAQ and they tried but the account was never removed. 

About a week later Paypal charged the account that I asked them remove XXXX weeks ago and it created XXXX nsf charges totalling XXXX and they are refusing to refund the charges. 

The issue was reported to XXXX ID is XXXX. Additionally he refused to help me and answer questions about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Old National Bank has just been dropping the ball all around. No customer service ( they even got rid of the email submission form on all digital platforms including their app ), have " lost '' my paycheck multiple times, have credited and uncredited my account multiple times well outside of what actually credits/debits I have done & kept track of, zero accountability to their own mistakes and their customer service people keep trying to tell me what is amd isn't with my account despite screenshots of their issues. Truly now have zero faith and zero trust with a bank I once had a long term relationship with that worked well ( First Midwest ) and have yet to close my account because of how up in the air their service has been.

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 2015-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Wells Fargo Home Mortgage has refused to directly address my loan concerns. Listed below are my concerns. 
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. I never signed the Pick A Pay Loan Disclosure more then once. This is fraud that needs to be addressed. 
2. I am requesting if Wells Fargo Home Mortgage will accept a Affidavit for Forgery Signature from a Handwriting Exert. ( Please do not skip this question ) 3. I can supply to Wells Fargo Home Mortgage a Certified Affidavit by the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 
4.I am requesting Wells Fargo Home Mortgage also to do their own investigation because I never signed the Pick A Pay loan Disclosure XXXX on XXXX different dates. XXXX of those dates was impossible for me to sign on. 
5. I am requesting Wells Fargo Home Mortgage to use a handwriting and forgery document analysis for the Pick A Pay Loan. 
6. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
7. Will directly a Loan Modification application to : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX. 
8. Will you state what loan modifications or equity loans I am eligible for without submitting a new loan application. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Account # : XXXX Capital One Auto Finance This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation