BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: U.S. Auto Sales Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Since i have purchased this car i have been trying to get issues fixed. I can not get money back for the warranty that i asked to cancel over a year ago. They charged me a pickup payment that was paid that same day in the dealership. i want that back as well. They are charging me insurance when i have my own. They will not refund the money i had to pay them to get my car turned on for this so called insurance. They are not accepted to get my tag as well and i had to pay {$160.00} to get my car re-register. They are still demanding that i pay for insurance even though they have validated my insurance weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my account for wat they say was suspicious activity and to many claims

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 2017-08-28
Company: Experian Information Solutions Inc.
State: CA
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:
my accounts XXXX account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

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 2017-04-10
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The company is reporting negative on my credit when the account was paid off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Was going through financial hardships and fell behin d on 2 payments to Conns. I received a letter in the mail stating that I could pay a certain amount and make my account current ( an extension ). I called and spoke to a representative that told me that if I paid the required amount that my account would be current and the late payments would be removed. The   late payments were never removed from all  XXXX  credit bureaus and I called again to speak to a representative. This time around I was told to fax a letter stating what took place and to request that the late payment remarks be removed. I have n't heard anything back and the late payments still remain on my credit. I am working to improved my credit and these late remarks are hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did n't have a contract with  XXXX  ( original creditor ) on the date in question and my account keeps being deleted off of my credit reports and put back on under different creditor names.

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 2016-08-07
Company: PLAZA HOME MORTGAGE, INC.
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wife and Husband, Tenants By The Entirety ( hereinafter " XXXX '' ) purchased Loan Policy/Escrow No. XXXX, XXXX XXXX XXXX XXXX XXXX COMPANY for PLAZA HOME MORTGAGE, INC. in 2006, as well as purchasing a Owner 's Title Policy No. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX also in 2006.

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 2017-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to dispute XXXX on credit report Membership ID number XXXX. The " balance '' and " past due '' listed on the account is incorrect. Please delete the 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 non-monetary relief
Consumer complaint received 2017-04-17
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Cahnet USA is denying me their offering of pre-approved credit because I am XXXX. 
In addition Cashnet USA has sold my personal information on the black market. I know this because the exact information ( uniquely coded so I could track its use ) I gave Cashnet USA was used to steal my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IS NOT A NEW CLAIM I JUST HAD NO WAY OF FILING ADDITIONAL INFORMATION SINCE I DID NOT SEND THE ORIGINAL COMPLAINT TO YOU. THANK YOU. 

Complaint XXXX about Wells fargo XXXX XXXX On yesterday I received a call from the person over the case regarding a letter to the FDIC and it was forwarded to you. He called to say that he needed more time to get more information from the department involved in this. 
He said the new date would be XXXX the XXXX or XXXX. I asked him what information he needed from them and he said information to proceed.I explanied to him that the weather had been pretty bad in Louisiana and with XXXX threatening to dump more rain I wasnt sure if there would be additional damage. Upon origainally speaking with him I told him I was sure termites had come in throught the widow that had issues. 
One of the questions I asked was were we going through this because we were behind in our house note. I explained to them that my hsuband had to leave employment here to go there. It took him a month to find employment. He is doing some very labor intense work so we can catch up on the mortage. 
Today in the mail I received two pieces of mail from Wells fargo. The first was a letter for guidlines for my husband to do the work on a home we paid the insurence on. 
It said that we had to go through this because we were behind in our mortgage. It says we must send them the checks that will send us the money in increments after we provide every manner of support. Including reciepts, checks and other things. 
THIS IS NOT THEIR MONEY. my XXXX no one should have to go through this. I have been displaced from my husband for more then three months. It feels like XXXX all over again. 
We have never filled a claim and we will most likely never again. As I stated someone mentioned to my husband recently that we have been behind several times with our mortgage since XXXX. 
Which brings me to the second letter, one that I can never remember getting, a letter to accelerate the loan or default and be foreclosed on. I think it is very suspect that I make a complaint against them and we have been behind for several months and now we receive this letter dated XXXX XXXX. 
I believe this is clearly retaliation for filing a complaint against them for their practices and the lies that they have told and continue to tell. We are suppose to be a team. But I feel like it is them against us. And we are trying to stay above the water. 

It is now my intentions to provide this information to the media, sadly with this current disaster there will be countless people that they do this too. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I.have some hard inquiries on my credit report I have no knowledge of, contacted XXXX to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXXXX/XX/XXXX( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX XX/XX/XXXX (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: D2 Management LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
COLLECTOR FAILED TO VALIDATE DEBT AND IGNORED CEASE AND DESIST AND DO N'T CALL ME OR OTHERS. ON XX/XX/2017 XX/XX/2017 MY FAMILY MEMBER REC 5 CALLS ON HIS CELL NO XXXX. WENT ON CREDIT REPORTS. 
CALL REC FROM XXXX

Company response to consumer: Closed
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TD BANK US HOLDING COMPANY
State: WA
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 customer service

Complaint:
I have been unable to view my TD Bank credit card in the app since this card account was purchased from XXXX Bank years ago. 

I called TD Bank customer service and spoke to XXXX. She was unable to assist and said she had to transfer me. I asked follow-up questions as to why I had to be transferred. 

I told her to " hold on '' while I was taking notes of her telling me why she was unable to assist. 

Before I had consented she transfered the call away. 

Terrible customer service when I asked her to please hold on. 

The original issue was never resolved and I still can not view my TD Bank credit card in the TD app

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lived in XXXX, XXXX, XXXX, and XXXX, XXXX. But I never live in XXXX and XXXX I never live on address : XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-10-03
Company: EQUIFAX, INC.
State: NY
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 was a victim of identity theft identity theft report attached. 
I have no knowledge of these accounts. 
They are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2017 I sent a certified letter to CBA of Georgia requesting they send me verification of the alleged debt they say I owe. The letter was received and signed for on XX/XX/2017 by a representative of their company. As per the FCRA, I waited the 30 days in which they are allowed to respond, as of XX/XX/2017 I have not received any response in writing or any information verifying this alleged debt belongs to me as I requested in my letter. 

On XX/XX/2017 I sent another certified letter to CBA of Georgia in which a representative from their company signed for on XX/XX/2017 informing them that they failed to respond to my first letter requesting they provide me with verification that the alleged debt belonged to me.on XX/XX/2017 I got a call from a representative of CBA of GA attempting to collect on the debts they alleged I owe. They acknowledged that they received both letters, I asked that they respond to me in writing with the information they have validating the debt belongs to me. The representative stated they will not mail me any correspondence. 
As of XX/XX/2017 I have not received any proof that the debt they allege I owe belongs to me. I continue to receive collection calls from CBA of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Violation of THE FAIR DEBT COLLECTION PRACTICES ACT 809. Validation of debts 15 USC 1692g XX/XX/XXXX I submitted a Certified letter of dispute and debt validation letters to Cedar Financial. 

Over a month went by I had received nothing from the company. 

However I received a copy of an old email correspondence between me and an unlicensed property manager in a building that i once lived in. He told me if I moved out I wouldn't have any problems. However He only said that so I wouldn't appear in court. 

They had over 2 months to gather the information regarding proper debt validation. After 2 months went by they found some documents but still not fully complete. They did not comply by law they must have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i would like to file complaint against wells fargo home mortgage loan.
i have been paying my monthly home mortgage loan since XX/XX/XXXX. i noticed there is something wrong with my statement they been sending me. i requested copy of my monthly statement. it does not show where my payments are being credited, its rather confusing. everytime i called up wells will just tell me they will just call me back but they never return my calls. again, although I 'm sending my payment every XXXX day of the month starting XX/XX/XXXX to todate i can not seem to understand where my payments are being credited. these are statements they just sent meXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my XXXX  report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, XXXX  took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. 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 2017-09-02
Company: CITIBANK, N.A.
State: TX
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:
MY HOME DEPOT CC # XXXX LAST TIME WE CHECKED OUR LIMIT IS NOT {$2000.00} > SHOULD BE {$10000.00}.

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 2017-09-03
Company: EQUIFAX, INC.
State: TX
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:
equifax XXXX and XXXX reporting inaccurate information which i provided police report and id theft gov. report this is in violation of the cra must remove inaccurate infomation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my Coinbase.com account since XX/XX/XXXX. I sent a message to Coinbase.com, via there online support/email system, asking : '' How do i get my account enabled ''. I have a considerable amount of funds in this account and have n't heard from them since XXXX XXXX XXXX This is the last message that I received from them : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Please let me know if the matter develops further as we investigate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Why do you not pay attention? I made a second bank wire on XX/XX/XXXX. They still have not acknowledged receiving my XX/XX/XXXX payment. They have my money and have not applied it to my loan. Their bank XXXX XXXX acknowledge receiving it. And they have reported me " missed payment '' twice until I made two payments in XXXX XXXX. In my first complaint that they did n't respond to and you closed I submitted the three bank wire documents, the one with XXXX XXXX payment, the one with XXXX XXXX payment, and one from XXXX XXXX  stating they received the XXXX XXXX payment. Do I have to keep submitting complaints until someone at CFPB does their job? Who do I report you to? I will for the third time upload these documents in this my third complaint because you did n't do what tax payers are paying your salary to do. Make them acknowledge receiving my money apply it to my loan or give it back. If you will read and pay attention to the information on each document will see that there is a wire for XXXX XXXX and for XXXX XXXX and the third document is a response from XXXX XXXX acknowledging receipt of the XXXX payment. Something you and Rushmore refuses to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/ 2022 I have an inquiry that I did not initiate and did not approve on my credit report as an inquiry hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I XXXX XXXX paid a merchant to provide hair services on XX/XX/22 in the amount of {$80.00} deposit fee. Services were never rendered. Her phone number is XXXX. Her address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX la.

Company response to consumer: Closed with explanation