BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi XXXX XXXX. 
I see that you refounded money on my escrow account, Could you tell me please how much i own you. 
I paid you {$1000.00} for XXXX, XXXX and XX/XX/2020 instead of {$1700.00}. 
The difference is about $ 660 monthly.The total should be about {$2000.00} for the 3 months. 
I will not pay you late fee.

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 2018-05-30
Company: Experian Information Solutions Inc.
State: MN
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 XXXX of 2018 I requested Experian, XXXX and XXXX to validate the collections that they have reported on my credit report. Experian, XXXX and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-10-13
Company: CITIBANK, N.A.
State: GA
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:
Citibank violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they never sent me the required disclosures, of which would've given me the ability to opt out of having my non public personal information furnished to third parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2017-01-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I got a Wells Fargo notice on my bank account that said my new card was on the way. I wrote them back and asked them what was up because the account number did not match mine and I did not request a new card. After two emails, the customer service rep told me that my account was " At risk for unauthorized transactions '' and they changed all the account numbers. I went through my account and had no unauthorized transaction up to date, and demanded why they thought I was at risk and why they changed everything without my knowledge and without my permission and they will not tell me. To me it sounds like they 're hiding a security breach, but I 'm super XXXX, I 've had the account numbers memorized for years and they go and change it without even telling 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 2021-07-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I first contacted Amerisave on XX/XX/2021 to refinance my home loan. I was put in contact with Loan Specialist XXXX XXXX. XX/XX/2021 I paid for the {$500.00} Application fee and asked them to include my girlfriend on the loan just like she is right now. XXXX told me that they would have to transfer the {$500.00} to a new loan and that he has to wait for a manager to do it. It is now XX/XX/2021 and the fee has not been transferred. I've emailed Amerisave over 16 times and probably called and left twice as many voicemails. I also have complained to XXXX XXXX at Amerisave, and still, no one has called me. This company has wasted my time and stole my money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
CITI IS THE WORST BANK EVER! They do no care about you as a customer. You are a sales goal! I submitted a credit card application for the CITI Simplicity card under falsely provided information. I was looking for a joint card for my husband and I. I was told this card is not available as a joint card but I could add an authorized user. He stated the authorized user 's credit is pulled, affected, and reported to the bureaus. The sales rep lied to me so that I would submit the app. When I called back to speak to someone to confirm the information I was given, the reps only gave me the correct info. No one ever apologized or tried to offer anything to make the situation better. No one could even tell me who submitted the app! I told the multiple reps I spoke to that the one who took the app lied to me, but no one cared. They all stated they could " document my concern '' but to who and for what, no one could answer.

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 2021-01-12
Company: V and H Portfolio
State: GA
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:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : VANCE & HUFFMAN LLC Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I purchased a vehicle from XXXX XXXX, in XXXX Florida. The vehicle was financed through Citi Financial. XXXX years later in XX/XX/XXXX I was no longer able to make the monthly payments for this vehicle. As a result, I had to have the bank repossess the vehicle. A XXXX months went by and I started to receive calls from Citi Financial regarding this vehicle 's remaining balance, and how it was going to be paid. I told the representative that I was not working at the time but as soon as I got a job I would start making payments. A XXXX days went by, and I started to get harassing phone calls from Citi Financial. I was told by Citi Financial that they were going to garnish my wages, they were going to send the police to my work, and that I was also going to be arrested. I contacted a lawyer, and we took Citi Financial to court. I won my case, and Citi Financial was never to contact me again, and they were also not to report to the credit bureau. Still to this day, it is showing on my credit report the car loan that I had, which was sold to a collection agency. As a result of this being on my credit, it is showing a negative mark against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi This complaint is about COINBASE who are holding {$2900.00} of my money and refusing to credit my account with amount. I have requested several times for its return through creating a new transaction to return it from whence it came, the only response being an automated negative rebuff, although it does state they have my transaction. 

On the XXXX20 I sent the money to coinbase AFTER THEY GAVE ME A TRANSACTION ADDRESS to receive the money. I have checked this address and it is correct. 

I have contacted organizations who specialise in these matters and are able to assist coinbase to create new transactions to return monies owed, but state that although coinbase are able to help they are refusing with feeble excuses. 
Coinbase are able to help as they hold the key address. 

I have checked on line and there are many complaints of the same problem and coinbase are holding hundreds and thousands of Dollars belonging to customers and refusing to return the money. 

If they do not want to deposit the money in customers accounts then they should automatically reject and return the funds. 

Many thanks Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I was admitted as an indigent patient ( at night ) to the Behavioral unit of XXXX XXXX XXXX in XXXX XXXX XXXX Florida. I was released on the morning of the XXXX. I received a bill for services from XXXX XXXX associates in the amount of {$710.00} which I paid in full online on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail from a debt collection agency, Medicredit that I owe, for the same service, total of {$2600.00}. I called them on XX/XX/XXXX, for an explanation and they simply told me I owe the debt. I explained that I never received a debt collection letter in the mail and needed to see how this debt originated. I verified my address and they assured me that one would be in the mail. On XX/XX/XXXX, they left me another voicemail about the debt. I called Medicredit on XX/XX/XXXX and explained that I still have not received the debt collection letter in the mail and it's been over XXXX days. Because I believe I had to protect my rights I sent a validation of debt request to Medicredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: CITIBANK, N.A.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
One Main financial will not stop calling me at work. My AC broke and I had to repair it, and I am behind. I have told them repeatedly and hung up on them. I am not allowed personal calls at work and I keep getting in trouble when they continue to call me. I have spoke to the manager at my local office, XXXX, he was supposed to note my account, but they keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
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 Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: FL
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:
HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and Equifax about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the XXXX XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and Equifax doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: LoanCare, LLC
State: WI
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:
The company knowing, willing and intentionally reporting false credit information to all 3 credit agency 's in there effort to deny my right to cancel private mortgage insurance. 

On XX/XX/2020 I requested the cancellation of PMI insurance and was denied. On XX/XX/2020, I made a second request and was again denied. On XX/XX/2020 I made a XXXX request and in XX/XX/2020 the company falsely reported that I was more than 30 days delinquent in making my XX/XX/2020 payment. On XX/XX/2020 my 3rd request was again denied for being more than 30 day late in making my XXXX payment. 

On XXXX XXXX I was denied a personal loan from a financial institution that I had a perfect credit relationship with for more than 5 years due to the false XXXX reporting by the company.

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 2015-12-28
Company: AFNI INC.
State: MS
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:
Afni collection agency is coming after me for a XXXX XXXX bill that is my sons. ( {$300.00} ). He is the account holder, the debt is in his name, his address and his phone number. All signatures on the service agreement are NOT mine. They have my name on the top of the agreement ( which I never saw ), that is all they have. Afni, XXXX XXXX XXXX IL XXXX, is attempting to collect a debt I knew noting about and threatened to send to the credit bureau. I am a XXXX XXXX XXXX woman living on social security. I tried explaining to them that it was my sons debt but to no avail. I do not know what to do. I can not attach any documentation but I have it physically. I do n't know what to do. I have called legal aid, they told me to go to XXXX Mississippi. When I went to the web site there was nothing for me to acknowledge, just a section to complain. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2016 Wells Fargo, Home preservation department ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX I just wanted to let you know that I am in the process of having a square foot is your appraisal done on my home. The PA licensed appraiser will be coming out on this Saturday, XXXX XXXX, 2016. I have disputed your findings reported to the CFPB, and once I have received the square footage appraisal from the appraiser I will forwarded and forward it to you. 
At the end of the day my outlook for this situation for me is to get my house appraised properly so that when the transition of either foreclosure, short sale or deed in XXXX of foreclosure happens, I will have a true and correct value of my home, And not have to walk away owing you more than what the property is actually worth after it is sold.

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 2021-01-13
Company: DISCOVER BANK
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I OPENED AN XXXX XXXX ACCOUNT. I CANCELLED IT XX/XX/2020. I deleted my credit card information from the XXXX XXXX information at the same time as closing the XXXX account. XXXX sent confirmation emails of the closing of the XXXX XXXX XX/XX/XXXX and XXXX. But they billed my credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I tried to contact XXXX, but b/c my account is closed I can not get into their system any longer. I contacted Discover XX/XX/XXXX. They did nothing. I contacted them again today when i saw the new XXXX charge. They have given me provisional credits. But if XXXX doesn't agree, those charges will be reinstated by Discover. 
I also complain about how very difficult and complicated it is to close an XXXX XXXX account. A " help '' website for the problem states it requires 15!! fifteen steps. I think this is a clear sign of abuse of their consumer services. I represent elderly people and this is exactly the kind of misleading abuse that causes people to be overcharged and give up trying to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently was in the process of refinancing my Wells Fargo mortgage with another lender. Although, Wells Fargo advised me to continue to make my payments even though the home mortgage would be paid in full, on XXXX XXXX a Wells Fargo collections agent told me that since my Loan was due to be paid in full she would notate my account so that my XXXX and XXXX payments would not be reported as a XXXX day late. The Collections agent also stated that if my credit was affected by a missed payment that she would have it removed. At the time I needed the money from the XXXX payment to make an unexpected repair on my home in order to close the mortgage refinance. Wells Fargo ended up putting a XXXX day late notice on my credit report which dropped my score XXXX points. They also refused to remove it from my credit report claiming that it is not their fault their collection agent told me she would ensure my credit would not be affected on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Integrated Recovery Services
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was not home and a company named Integrated Services. The persons name was XXXX. The voice mail message that was left was they were trying to contact me for a legal address for service and to call this number XXXX to provide a formal statement. Failure to respond could lead to verification of employment and liquid assets to avoid this call my office immediately. My wife heard this message and it troubled her. It is my understanding that according to the FDCPA a company ca n't leave a voicemail message like this without my consent as a third party can hear it. This message is also asking for me to make a formal statement which insinuates this is an attorney or law enforcement agent. If this is a legal debt then i would like this agency to pay it for violating the FDCPA.

Company response to consumer: Closed with explanation