BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My Wells Fargo checking account, on XXXX separate occasions was incorrectly managed. Each time my balance in the account was about {$50.00} less than it should have been. It appears that purchased was put in pending status, and the amount deducted from my balance. Then about XXXX days later those purchased were deducted again and placed in posted status. Each time I called Wells Fargo and spoke with customer service regarding this error. Each time I was told that that could not have happened ; that the items in question would have to had been credited back to my account and only deducted once. Some of these transactions resulted in overdraft fees having been charged. In short, I am out of about {$250.00} due to Wells Fargo 'bad ' accounting. I am closing the checking account ASAP. Is there a way I can be refunded the {$250.00} dollars. I have no documents to attach since the day the transactions that are deducted twice or placed in pending with a certain date ( and that is the date I use to deduct from my balance in my checkbook ), then those transactions are again placed in 'posted ' XXXX or so days later with another date. So the transactions do n't appear XXXX on the statement, the date are just changed. Exampled : Pending XXXX/XXXX/16 and deducted from balance, then days later Posted with a date of XXXX/XXXX/16. But, the transactions were deducted twice!

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 2020-04-07
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX/DEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our client is the son and heir of his parents, who were the co-owners of their home in which our client is currently residing. His parents, who purchased their home in XXXX, recently passed away. Our client was the administrator of his mother 's estate, which was recently closed. He has contacted the servicer to request that he be allowed to assume the loan and to discuss his loss mitigation options. The servicer refused to communicate with either him or his brother, the only other heir and successor-in-interest, at all and quickly began foreclosure proceedings. The client has provided the servicer with copies of his parents ' death certificates, estate documents showing that he was the administrator of the estate and a written request that the servicer communicate with him. The servicer refused and stated via correspondence, that the client should contact " our customer directly for information or to be authorized to receive information on the account. '' As XXXX customers are XXXX, that is impossible for the client to do. The servicer has not acknowledged, in writing the notice of error that it was sent. The servicer 's refusal to speak to either of the heirs has caused them to incur additional arrearages, costs and the necessity of retaining an attorney. The client and his brother are the only successors-in-interest and wish to assume the loan and to be evaluated for loss mitigation, but have been unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Good Afternoon This is a complaint about Transunion I would Like to continue my dispute with Transunion about reporting false information and ILLEAGAL INFO about me If you look at the documents that i attached to this complaint this is from Transunion orginal credit report on XX/XX/XXXX they are reporting a 30 day late I have sent Transunion proof that I paid XX/XX/XXXX on time. Ok XX/XX/XXXX they report a Ok ( paid as agreed ) NOW WHEN YOU LOOK AT XX/XX/XXXX They reported a 60 day late. How in the XXXX is that possible?? Transunion this is against the LAW FOR YOU TO REPORT NEGATIVE IN FRAUDULENT INFORMATION ABOUT A CONSUMER I ASK YOU TO REMOVE ALL LATE PAYMENTS THAT YOU ARE REPORTING ON THIS ACCOUNT AS NONE OF THIS INFORMATION IS TRUE. IF YOU ARE UNABLE TO DO SO I ASKED YOU TO PLEASE CONTACT XXXX AND HAVE THEM SEND ME PAYMENTS FROM XX/XX/XXXX UP UNTIL XX/XX/XXXX BECAUSE I KNOW I WAS NEVER LATE WITH THESE PEOPLE I WILL NOT CONTACT XXXX BECAUSE THEY FAILED TO RESPOND TO MY REQUEST SINCE YOU ARE reporting This false info about you I want you to remove this information as you are running my Good 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 2016-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My wife and I have had this loan for a number of years. It was issued to us in conjunction with the refinancing of our home. We recognize that the high interest rate makes it difficult to pay down the princple. We have payed consistently on time with no problem. When we have asked to be considered for a lower rate so we can add extra to the payment we are put off with " its not the kind of loan that can be lowered '' or they can perhaps consider it at a later date. I believe that it is because we have a good payment history and Wells Fargo sees us as a consistent payer and it is to their benefit to keep us in the higher interest rate. We are not asking for any reduction in the debt principle we just want a reduction of the interest rate so we can pay down our debt.

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 2020-02-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is about an XXXX store credit card with Comitity Capital Bank. I applied for the card in XXXX, XXXX and made one purchase. I did not receive a bill. I got the phone number to call from the actual store and I called for several days in XXXX trying to pay my bill and could not get through. When I finally got through on XX/XX/XXXX, I was told the computers were down and asked to call back later. When I called back, I was told it was after XXXX XXXX and my payment was officially late. Then I was told their policy was not to accept payments past XXXX XXXX and it was past that time. I was told that I would be charged a late fee. Then, the operator said it wasn't fair because their computers were not working properly. They took my debit card number to pay the bill then it would not accept it, saying it was not a debit card. Finally it took the card. I don't know what the problem was with their computers. Then, I was assured the late fee would be credited to me. I was told that he would credit a late fee of {$15.00} and I paid the balance in full. 

I received a call on XX/XX/XXXX from the credit card company. My balance is now {$65.00} and there was a payment due in XXXX, XXXX. The balance was due to a late payment in XXXX because I was not credited the full amount of the late fee and a late fee in XXXX for not paying the late fee in XXXX. I asked the company to correct it and refund the " late fees '' They refused to make it right. 

Then, I tried to pay the late fees balance with my normal bank card and I was told their system would not take the card because it was not a debit card. It is a debit card. This is also what happened before and it finally accepted the payment. Now I am suppose to call back later and try to make the payment again. 

The company is scamming people for " late fees '' making it difficult to pay them because of their computer problems and then charging fees. They are misleading consumers. Beware of the late fee charged after you have paid your account a few hours after the due date because of their computer problems. That late fee will also incur another late fee without notice. They are scammers. 

XXXX was the operator Her ID is XXXX Comitity Capital Bank Cust Service XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I initiated a credit report investigation with Equifax on XX/XX/XXXX. Equifax sent me an email on XX/XX/XXXX at XXXX advising me that the my credit report was ready to view online. I attempted to view the credit report online and was not able to. On XX/XX/XXXX at XXXX, I was awakened from my sleep with an electronic reminder to check my credit report online and I was once again unable to. 

Equifax advised me that they would resolving this issue last week and would contacting me when it had fixed it. I received no phone call indicating that the issue had been resolved. 

I firmly believe that this has been done on purpose as to preclude my ability to obtain my credit report without calling in or mailing in. 

I firmly believe that Equifax is attempting to withhold my credit report to delay and preclude my ability to make disputes because it profits by keeping incorrect/fraudulent derogatory information on my credit reports. The longer that Equifax can keep incorrect/fraudulent information on my credit reports the more it may profit. 

I have attached a copy of Equifax ' fraudulent statement indicating that my credit report was available online and subsequent refusal to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XXXX of 2022, I discovered a CitiBank credit card on my XXXX checking account. Once I discovered the credit card that same day, I informed both bank entities that this credit card account did not belong to me. Neither bank has not addressed this credit card account as to this present day. However, I had CitiBank fraud department on the phone upon my first inquiry and made a payment of {$1.00} to this credit card account and CitiBank acknowledged the payment. I am requesting for both banks to properly address this issue in regards to how this credit card account was added by XXXX and for CitiBank to address my concerns when or where this account come from.

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 2020-02-28
Company: Admin Recovery, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 to Present day- Repeat phone calls to my family members { as young as XXXX years old } and non related friends. XX/XX/2020-The debt collection company did not want to resolve the issue by accepting small payments or discuss other options, they said " We will consider this a refusal to pay '' and threatened my credit. I do live on a tight budget, so large payments are not possible.I am more than willing to work with them on resolving the issue, but the constant phone calls to my family and friends is harassment and can not be tolerated.

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 2022-09-13
Company: AMERICAN EXPRESS COMPANY
State: AZ
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: Investigation took more than 30 days

Complaint:
American Express has been reporting inaccuracies on my consumer credit profile ever since the month of XX/XX/2022. They have been reporting that I am 30 days late with XXXX and XXXX in the months of XXXX and or XXXX, actually, it would change between the two months on my consumer profile which is severely a direct violation. I had sent over validated proof of my payments by furnishing my bank statement to American Express in regards to it the inaccurate erroneous reporting. I have recordings from American Express stating that they were going to update my consumer credit profile with XXXX and XXXX on the date of the close of my statement of last month which was XX/XX/2022. To my surprise on XX/XX/2022, when I was speaking with a XXXX representative it was updated on my profile that my account with American Express was at the time current and never late. Fast forward to XX/XX/2022 the report was now reflecting only with Transition 30 days late payment in the month of XXXX that is a violation of the it is a violation of 15 USC 1692 G. The FDCPA Act, which entitles me as a consumer to be forewarned, have a warning that any any damaging negative information that will be reported on my customer report should be sent to me five days prior to appearing on my consumer report. American Express has failed to do this in regards to my account. Also, too, they have failed to update the information with all of the credit reporting agencies so on XX/XX/2022, not to mention have never accredited my account the XXXX payment that I made as well it hasnt reflected in the balance at all. I sent over documentation of bank statements as well as other information that I did make my payment in a timely manner and that this information is erroneous and accurate on consumer reports and it needs to be deleted and updated as current never late. I have a recorded phone call from American Express stating that my account has been current and never been late. So the only way to get this rectified is for them to update the information immediately on my consumer credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX   XXXX not mine

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 2022-05-05
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home loan is through Rocket Mortgage. I am not working on refinancing the loan. Even though I have requested they stop contacting me with " marketing '' offers to refinance they continue to call. The approach taken recently is that the representative from Rocket Mortgage leaves me a voicemail stating they have " received all of my information '', everything is in good order and I need to call them to answer a few additional questions. 

My current mortgage is in good standing. These calls/messages imply I am working with them on a refi or worse that someone has stolen my personal information and is acting on my behalf. This seems to be a predatory lending practice and should be addressed. I will be submitting a complaint directly to Rocket Mortage through their " complaint '' department however, I doubt that will go anywhere in terms of the representatives approach/tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage was in charge of servicing our loan from XXXX XXXX, XXXX XXXX, 2015 and they never paid our property taxes from our escrow! The property taxes were due by XXXX XXXX, 2015 and still have not been paid as of today ( XXXX XXXX, 2015 ). I have been in contact with Carrington mortgage several times with regards to this matter, through e mails ( corresponses with XXXX ) and even phone conversations with a women by the name of XXXX in there Tax disbursement department and have gotten nowhere. 
They have since sold my loan to a new mortgage servicer effective XXXX XXXX, 2015 we are now with XXXX XXXX. I have spoken to several people at XXXX XXXX and as of today XXXX XXXX has never sent me a welcome letter or a loan number or even a statement. I was under the impression that they had 15 days to get that to me which they have failed to do and when I contact them they said that they still have not logged my loan file into the computer so they dont see anything. I women by the name of XXXX from XXXX funding is telling me this morning that they sent out a welcome letter on friday, XXXX XXXX which I do not believe to be true because I gave ive been checking the mail every day and still nothing and today is now the XXXX. I then aske Her if she could fax me a copy of the welcome letter ... she was not able to produce it to me because she said my loan wasnt entered into there system yet! I too have sent several letters by fax, had countless telephone conversations with several of there staff, with ragards to my property taxes not being paid back in XXXX of 2015. And i am being told that once i am logged into there system that they can try to look into the property taxes! Im frustrated beyond belief and I feel like Iam getting the run around! I need answers! i have even been in contact with the XXXX and they have not received any response from Carrington Mortgage! There is so much going on with these XXXX mortgage companies that needs to be looked into! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Atlanticus Services Corporation
State: VA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
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:
I applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. I have contacted the FTC and the police.

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 2020-02-28
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 was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.

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