BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-18
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
The company in question, XXXX XXXX, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as XXXX XXXX and XXXX XXXX XXXX ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " FNBO 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022, my brother XXXX XXXX received a call about my student loans from Navient. I do not understand how they got his phone number but thats not a point of major concern. They asked to speak with myself. He addressed himself as XXXX XXXX. They asked him to verify my DOB which he initially got wrong. They played a guessing game with the year which he eventually got right. If they asked him to verify anything else to include an address he would not have been able to. They proceeded to discuss my student loan information. He knows my account balance and what kind of settlement that they are offering and he shouldnt. He has never been authorized to speak for me. He has never been included on any of my loan documents. Never had he been noted to be a POA or anything of the sort. It is my understanding that I have a right to some level of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since XX/XX/XXXX, I have been dispute my credit being pulled by XXXX different companies on XX/XX/XXXX & XX/XX/XXXX from all three credit bureaus. After completing disputes with bureaus, XXXX and XXXX have removed these hard inquiries from all companies since companies were not able to provided authorization documentation ( s ). Equifax informed me several times to contact companies directly, which I have over the phone and by mail on several occasions. The companies informed me to dispute the inquires through Equifax. I have informed these companies of the outcomes and direction from Equifax 's disputes. I also informed Equifax with information received from the companies through several disputes. Equifax refused to complete any type of dispute concerning these hard inquires or remove them from my credit report. These inquires are extremely damaging my credit score. I need some assist with this issue -- Equifax completing a proper investigation. At the time of the hard inquiries, there was an identity fraud placed on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, I am filing this complaint against Tower Loan due to never receiving the information I was told would be provided for my loan account. I have been told that there is some " bug '' in their system that is preventing me from receiving the e-statements that are supposed to be emailed to me each month showing my payment date, payment amount and payment information. Every time I have tried to reach out to Tower Loan I have been told this is being worked on and that there is no time frame as to when this will be fixed. I have been waiting since XXXX. The other day I received some letter stating that this issue was of non high priority and that my account was not considered to receive any attention regarding this issue and that most customers do not face this issue. Instead of trying to resolve this issue by getting it fixed I was told that I needed to contact the area Supervisor which I have and which is whom stated there was no time frame established for getting this issue resolved. Being told that my account situation is not of any importance is not going to be accepted by me. The person that wrote this letter if they are unable to fix this then they should take the time to figure who can. The person who wrote the letter is named XXXX XXXX. Well XXXX to tell me that my account is not of any importance to your business only tells me one thing that your company doesn't deserve my business for the simple fact that your company needs to be thrown out of business if your company is not able to assist customers with their situations. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, 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:
I have been disputing XXXX XXXX XXXX from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a Loan Modification with Well 's Fargo Home Mortgage and I was denied. But the reason that I was given is that I did not have a hardship. My husband and I have been separated since XXXX 2014 and with the loss of his income I am finding it hard to meet my monthly mortgage which is {$2400.00}. My monthly gross income is {$3400.00}. The reason that I was given for being denied is that I my gross monthly income should allow for me to meet my mortgage payment, but after taxes and paying my utility bills and second mortgage, I can hardly pay this payment. All I am asking Well 's Fargo is to lower my mortgage payment. I do n't understand what their criteria is to qualifiy for a Loan Modification. From doing my research, I have found out that these Mortgage Companies are not really helping many home owners at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
i received an offer of wells fargo credit card about a new credit card in which they give me the offers of 0 % apr for 18 months on balances transfer and purchases. so i applied and got the card to my home, but when i called them they told i just qualify for new purchases and that it was a mistake in the letter that they sent me. i am not apprved for balance transfer. 
i dont know what happened with this people and i ask u to investigate, please. 
the credit card is # XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. 
thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Back in XX/XX/2022 I called them and told them that there was an illegal inquiry on my report and I did not authorize it to be placed on my report or give my information to anyone to get this card and they promised to have it removed in XXXX months and the hard inquiry is still on my report and it has now been XXXX months and it has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax continues to not correct information on their version of my credit report. I have tried for years to get this corrected. It seems as though their online system is taking your dispute but then nothing ever happens. I have contacted the financial institution to have them update the information about their account with me, and nothing ever changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for the NJ HomeSaver program which is funded through The Hardest Hit Fund. Wells Fargo denied my application stating that my loan investors do not participate with the program. What is important is that I was approved for The HomeKeeper program in 2013, which was also funded through The Hardest Hit Fund. So why did my loans investors participate then but not now. I believe Wells Fargo is incorrectly and unjustly denying my NJ HomeSaver application. I have reached out to them multiple times today and no one can give me a straight answer. I feel helpless and that I have no where to turn for representation.

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 2022-11-23
Company: PNC Bank N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter dated XX/XX/XXXX from XXXX  of Ohio, stating that I owe them an alleged debt for {$3800.00}. The Original Creditor was PNC Bank, who previously charged off the alleged debt. I have no contract XXXX of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX of Ohio and PNC Bank, about me is in direct violation of my privacy per the Privacy Act of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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 reached out to USAA once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call USAA over 12 times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that USAA had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get USAA to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and USAA has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been a customer of Wells Fargo since XXXX of XXXX when I opened my mortgage account with the bank. I have made over 85 monthly payments to date. Upon reviewing my account history, you will notice that every single payment has been made on time. This is because of my strong sense of financial responsibility- which I know ( although minute ) is an integral part of the financial system. 
The first purpose of this letter is to inform you that I have recently been following the news about the unethical business practices employed by Wells Fargo. As far as I understand, the banks ' strategy, called " cross-selling '', was revealed to be fraudulent. You have used this practice since XXXX to embezzle money from millions of customers. 
The second reason for this letter is to express my deep disappointment with Wells Fargo. I also feel nervous that I 've been doing business with the bank for all these years. I have worked very hard to earn money, provide for my family and always have been honest. The level of dishonestly your bank has portrayed with this scam is beyond disturbing. The revelation of the scheme is making me question every time there was an increase in my escrow payments over the last 8 years and other changes that have taken place. Have I also been a victim of this fraud along with millions of other customers? In addition, what I also find troubling is that you have made no attempts to send any kind of communication to me to reassure that my account is safe and you have not made me pay for anything that is connected to this or other types of schemes.

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 2019-12-07
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citi Bank continues to just make up their own choice of actions/responses as they go along. 
Referencing the CFPB complaint # XXXX-XXXX Citi Bank did not resolve the initial issue and still, to this day, refuses to close the account ( card ending in XXXX ) despite written request arriving at the required address VIA chat transcript and within the CFPB complaint filing. 
BUT! 
Reference CFPB complaint # XXXX-XXXX  and Citi Bank ( with no notice or reply to complaint ) closes this account ( card ending in XXXX ) How is this possible?

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 2022-11-23
Company: HYUNDAI CAPITAL AMERICA
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
We were sold a XXXX  XXXX XXXX from XXXX XXXX that had a factory defect in which it was easily stolen. The loan is in my name and my son, XXXX XXXX. My son is a veteran. This is a poor way to treat a veteran. On XXXX XXXX the car was stolen and totaled. We still have the loan to pay for. No insurance will pay for it. We were rushed through the paperwork because it was closing time at the dealership and was not given the time or opportunity to read the paperwork. We purchased GAP insurance and roadside assistance. The wheels were stolen XXXX month and no one would pay for this so we spent {$2500.00} out of pocket for tow and rental and new wheels and tires with wheel locks. Now we are stuck with a car note we have been paying since it was stolen in XXXX because 3 insurance companies refuse to pay including the gap. The gap insurance that we bought refused to pay because the XXXX value of the car is more than the remaining balance of {$16000.00}. So we are either stuck with paying for a car the XXXX boys gang stole and wrecked or we can ruin our credit. I have every piece of paper involved in this but I dont know what you need. Feel free to contact me to provide the information you need. Can you help any?

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo Home Mortgage is incorrectly reporting an account on my credit report. My account was closed in XXXX and for some reason Wells Fargo reported to XXXX in XXXX which is voiding the item from falling off the XXXX bureau by statue. I contacted Wells Fargo and they told me my file was archived and they could not verify information or help. This reporting is in violation of fair credit reporting practices and also preventing me from obtaining a new home loan.

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 2022-11-23
Company: BARCLAYS BANK DELAWARE
State: MO
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:
complaint # XXXX Attn XXXX : XXXX XXXX account numbers are XXXX and XXXX. I only have access to XXXX, that is where I would like my miles to go. Thank you Frontier Airlines somehow has XXXX member accounts under my name. I have tried 15 times to contact XXXX to resolve this and they keep sending me to a recorded line with no help. I have paid for XXXX 's discount XXXX plan more than once and need that resolved. I need my account with all of my miles and my payment history for the discount den plan. I've tried over and over to speak with someone from the credit card company and tried to call XXXX. Impossible.

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 2015-07-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, New York, XXXX, loan # XXXX. My name is XXXX XXXX, I think thats violation of people privacy, so one to many time, My wife and I inside my apartment while I try to take shower in my bathroom, then i see something flashing on me, I do n't know what is that but when i see that It is very scary for me and my wife, because that do n't suppose to happen when I take off my clothes too take shower, to see something like that happen that make us very scared to take shower in our bathroom. That cause us to not take shower at all eventually we find out that is WellsFargo send the agent to do that, WellsFargo know very much that we are living in this house. They know that this house is primary residence because what they do. That trouble my wife and I that make us do n't take showers because they try to take our picture. We find out WellsFargo send the agent out to take the house picture. If for any reason Wells Fargo want to take the picture of the house they should advise us, they have to tell me where they get that right from. Its not only they take the picture they send me the pictures and they say they do it. I have the picture. To me thats a violation of Human Privacy. I think that is malpractice on behalf of WellsFargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CORELOGIC 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: Account status incorrect

Complaint:
XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  from CREDCO is on my credit inquiry for 2 different times which I don't understand why I would like to clear this out and remove in which I'm trying to get my credit in good health. I don't even know why its even there.

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