BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: Medical Data Systems, 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: Was not notified of investigation status or results

Complaint:
I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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 2016-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We recently received a letter from Wells Fargo Bank dated XXXX/XXXX/16 from a XXXX XXXX, wherein Wells Fargo threatened immediate legal action to foreclose on my family 's home, without stating a specific date for proceeding with foreclosure action. 

Wells said they can not delay foreclosure action, but still refuse to give a date for beginning such action. It seems unfair to trap us into foreclosure or to trap us into a last second foreclosure by blindsiding us without a date specific with reasonable notice of at least 30-45 days. 
Wells say in their letter 'we can not delay potential legal action to collect the balance of your loan, which may include foreclosure ' For about six weeks or so, we have been asking Wells Fargo to supply us with a date when acceleration of a pre-foreclosure status and their threats of 'immediate forelosure ' in this case will proceed. 
We have a hardship 401 k loan available from the corporate administrator of my wife 's 401k account. She has been employed at The Gap for twenty two years. 
The IRS requires a date forward for XXXX to release our own dollars in our 401k account. 
Wells refuses to give us a date forward on the one hand, so we can access our 401k account to pay our mortgage and avoid foreclosure, but threatens us with immediate foreclosure action on the other hand, while still refusing to give us any date when such action may begin. 
This unfair entrapment by Wells Fargo.

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
Consumer complaint received 2015-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After 6 months of submitting applications with all my tax returns, bank statements, and all the many documents required XXXX times over, Wells Fargo Bank is moving towards foreclosure on my property. After making the payments required to test me, which were all returned to me, Wells Fargo Bank reneged on their contractual agreement with me in order to go to foreclosure as fast as possible. This is called bank mortgage fraud against the victim myself as the borrower. The reason Wells Fargo Bank is doing this is that they know the value of the property exceeds the loan amount so they do not wish to try to give me a remodification agreement. It is easier to just make themselves whole and XXXX me. The property in name is XXXX XXXX XXXX XXXX. # XXXX XXXX, CA. XXXX. I have had XXXX of phone calls conversations and messages to them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home equity loan in XXXX 2016. I was pre approved in XXXX. Wells fargo ordered a full appraisal of the home. when i received the appraisal back it was clear the to appraisal company did not calculate the square footage of the home correctly underestimating the square footage by over XXXX square feet. I brought this to the attention of Wells Fargo and they agreed an error had taken place. They escalated the complaint ultimately to the executive resolution specialist who after months of delays of supposed 'research ' sent me a form letter that home values are subjective and they are closing my application. There was not even a an attempt to address the fact that the appraisal company used a square footage that is over XXXX square feet smaller than the home liste square footage at my county.

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 2022-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a business account in BOA. I am the owner of the company. I usually use my mobile phone to deposit customers ' checks. 

On XX/XX/2021, I used my mobile phone to deposit a check for {$40000.00}. The next day, I couldn't log in to the online bank. I casually called BOA and said that my account had been closed. The funds in it were being reviewed by the relevant departments of BOA. After the review, the balance, about {$42000.00}, would be sent to me by check. 

For nearly four months now, boa still hasn't sent me the check. Every time I calls, he just says that they are reviewing, and can't reply when the review ends or any other questions. 

I want to get my money back as soon as possible, or they can return the last {$40000.00} to the customer who paid me. 

Please help me, 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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

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 2016-10-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Based on recent news reports, I believe I have a situation where a Wells Fargo employee forged my signature to cosign a line of credit loan with my former business partner. On XX/XX/2013, Wells Fargo emptied my savings account {$5100.00} claiming right of setoff. I spoke to and sent a letter to Wells explaining why the signature on the loan was not mine. In my letter, I attached a copy of the partner tax return showing that I had sold my interest in the business to my partner over a year before I supposedly signed the loan document. I would not co-sign a loan for a business that I had no interest in. I also explained that I had moved to XXXX from XXXX. There is a XXXX. fax number on the loan document, but no fax number from XXXX. 
I always sign documents using my middle initial. The loan document front page has my typed name XXXX XXXX XXXX, however the signature page is typed and signed XXXX XXXX. I provided Wells a copy of my signature on the XXXX document and my Wells Fargo checking account signature card. Both signatures are signed XXXX XXXX XXXX. The signature on the Wells document is vastly different from the XXXX signatures I provided. Because I did not sign the Wells Fargo loan document, I demand Wells return my money. 
attachment XXXX : XXXX pages Wells loan document attachment XXXX : XXXX page, Wells checking account signature card attachment XXXX : XXXX page, signature page of 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 non-monetary relief
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a auto on XX/XX/XXXX and was horrified to find out Transunion is reporting a XXXX credit score. I have no late pays, no delinquent accounts, no outstanding balances, etc. for about six years. In fact, I have exceptional payment histories for all of my accounts. I have paid in full several accounts. Why is my credit score so low with Transunion? About 6 months ago I had a XXXX credit score. Something illegal is going on with this company 's reporting. 

I complained to XXXX XXXX XXXX about this Transunion credit score and she suggested using another credit bureau. Same thing with XXXX - XXXX credit score. My credit score should be going up and not down. No missed payments, no late payments, etc. I just paid off some credit card debt. XXXX XXXX XXXX approved me for an auto loan back in XXXX in which I paid in full in XXXX when I purchased an upgrade. XXXX refused to approve for the upgrade and I had no problem seeking finance with another company. Again, XX/XX/XXXX was declined due to high DTI. This is not true because I double-checked my credit report and no way am I XXXX DTI -- XXXX DTI. I believe this is personal because int the past I had a run in with XXXX of the finance reps. This is a dishonest company and is in violation of federal law -- retaliation.

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 2017-03-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
WELLS FARGO AUTO LOAN ( Dealer Services ) Ran into a bumpy month and the payment declined. ONLY problem we have had paying in about two years on the loan with them. Normal monthly payment {$360.00}. Called to tell them I would pay the XX/XX/XXXX. Go to pay it two days later, on the XX/XX/XXXX - the overdue and the current month- totaling {$720.00}. Am informed they wo n't allow me to pay online or accept my bank check. I can only pay over the phone and the only amount they will accept is the full amount with fees which is now {$980.00}. I said I do n't have that the woman on the phone became nasty. " Why, why ca n't you pay what are you doing with your money what is more important than paying for your car? '' Seemed to enjoy it, smile through the phone. Refused to accept any payment from me and also told me " I do n't care what you was told yesterday, today I am not taking that payment over the phone. '' So they wo n't accept my money after charging more than I owe and can afford after almost two years of perfect pay history and treated like a scum bucket for trying? So what can you do?

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 2020-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
attached my FTC report and Identity theft 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 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX XXXX {$1700.00}

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 explanation
Consumer complaint received 2015-11-19
Company: PINNACLE RECOVERY, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Social Finance, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have been attempting to initiate a XXXX transfer from sofi XXXX XXXX XXXX XXXX to XXXX for near three weeks. Initially theyve rejected my transfer due to reason that dont fit SEC guidelines, nor were the excuses even applicable to my account or transfer. They have been misleading me and are now pretending that they have not received the information sent to them by XXXX. 
My primary concern is that despite having share lending off that they can not locate my shares to transfer and are misleading me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine, I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
As with File no 2016 - CFPB XXXX Navy Federal Credit Union froze all my accounts and limited all access to accounts for any past due payments as late as 5 days. My question is what penalty is being paid to those who had accounts froze. I read those that were sent debt collection letters are eligible for up to {$1000.00} however, what about us that have accounts illegal froze. Are we at least able to individual sue them for violations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complaint through you already. You all forced the cashapp to reopen the case. I responded to this so called XXXX. I have heard NOTHING. Not a response from her, NOTHING. You all closed the case thinking they were going to handle the complaint. They are not. Meanwhile I am still homeless. I am still without means to rent a place. They are not investigating anything and I'm sure they fully intend to deny my claim. Please help me. They prey on people just like me thinking they will get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I listed 2 XXXX XXXX concert tickets on XXXX on Friday, XX/XX/XXXX and received a text inquiry from a XXXX XXXX offering me {$600.00} for the 2 3-Day pass wristbands. He offered to pay via Venmo and requested that I give the wristbands to his friend, XXXX. I received 2 {$300.00} payments via Venmo from XXXX and transferred the {$600.00} to my Venmo-linked XXXX checking account. I then agreed to meet XXXX at the XXXX at XXXX XXXX XXXX in XXXX XXXX at XXXX and gave him the 2 wristbands. My bank transfer was subsequently cancelled a few hours later by Venmo and I was given no recourse to obtain my tickets or the {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan with big picture loans and they gave me a 2000 loan but started taking money out of my bank account before the payment was due causing overdraft fees and so far they havent taken {$1200.00} from me and not one penny has gone to the loan. I offered to pay the loan off subtracting what I have paid and no one bothered to call me back they just keep continuing t take money out of my account they advertise their interest rate is 4 % to 16 % but they have been charging me about 300 %. This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have made several online loans with this lender. My most recent loan in the amount of {$1500.00} will be due on XXXX XXXX. Normally I login to their website and refinance the loan, pay down the original loan by 50 % or more. Today I tried doing the same as with my previous loans and was denied the opportunity to refinance?? This came as total surprise. I have never been late or ask for any type of assitance in repaying one of their loans. There is no way I can repay the entire {$1800.00} next week. Is this some type of setup on their part to create more finance charges and or late fees? I have attached a copy of the loan document, denial form, and loan history page. They may also being pulling a credit report each time I apply for a loan or request to refinance by paying additional money down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with the attorney that represented XXXX XXXX XXXX, XXXX XXXX on a debt I owed. Patenadue & Felix represented XXXX XXXX and never notified their client and XXXX is still showing a negative account impacting my credit rating and obtaining a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been paid. I contacted the original creditor and verified a zero balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief