BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
on or about XXXX/XXXX/2015 a tree fell on our house doing damage to roof. the work has been completed and wells fargo is refusing to release payment to the contractor unless we agree to a repayment plan on our mortgage. the insurance is paid by me out of my own pocket. 

XXXX XXXX ( my wife ) has spoke to wells fargo several times first time they said no problem we will send out the paperwork right away. the paperwork never comes. XXXX calls again wells fargo says sorry that we never received the paperwork that their records show it was sent XX/XX/XXXX and will XXXX the paperwork out immediately. the paperwork never shows up.XXXX calls wells fargo again this time wells fargo says they cant send the paperwork until they receive the check. XXXX and I sign the check and send to them. wells fargo told us that once the work was inspected they would release the money to the contractor. now today XXXX/XXXX/2015 wells fargo says they will not send paperwork or release money to contractor unless we talk to the mortgage division and can work out a mortgage repayment plan. 

XXXX 2015 Wells Fargo filed foreclosure in XXXX county court and my Attorney XXXX XXXX has answered the summons and has request it to be dismissed and or sent to mediation. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under XXXX ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Army and Air Force Exchange Service
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was honorably XXXX from the XXXX XXXX, unfortunately I was not able to find employment fast enough to keep my Military Exchange Credit   Card active. This account is allowed for military personal who can shop at any military exchange ( store ) AAFES, MCX, NEX etc. I am being charged a collection fee on top of my debt and interest ( understandable ) with the Military Exchange, these fees are {$1000.00} 's of dollars on top of the original debt. I've asked for numerous statements and have finally received one for XX/XX/XXXX. In the attached statement you will see that only {$310.00} have been accepted, however you'll notice my personal checking receipts equating to {$370.00}. This has happened every time I've made payments on the account. Almost as if they're stealing the Military Exchanges and my money, as the statement from XXXX shows on pg 1 {$310.00} in payments and {$0.00} in fees. I can not provide exact amounts as XXXX XXXX is only directing my calls to XXXX XXXX XXXX whom has not called me back. On XX/XX/XXXX I submitted a claim to FederalReserve.gov to help on this matter, XXXX had told me they would provide statements, and that the fee is not able to be removed. I feel that this is in violation to the Fair Debt Collections Act 15 U.S.C. as I never agreed to a collection fee nor would any human being on the planet. I own up to this debt and as such have made numerous payments, but with this type of theft my debt will never be paid in full. This fee is not a fee due to charging by checks or debt. No explanation to an agreement on this fee has been sent or agreed upon. I've also contacted the written correspondent which the billing statement shows to contact and they have no idea why.

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 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see repetitive 30 days late marks on my report, I was never late on this account and I've tried many times to contact with the creditor but they never responded with my concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Mortgage has provided property insurance on my mom 's home ( She has a reverse mortgage with Wells Fargo. She has been unable to obtain property insurance on her own so she had no choice but to accept the property insurance provided by Wells Fargo. A re-payment installment agreement was made to re-pay Wells Fargo for the property insurace provided. My mom makes monthly payments on this. The problem is that every single month, Wells Fargo collections calls her to " verify '' information. These calls are made every single month, even though she has never missed a payment. I view this as abusive since there should be no need to call her every single month on an account that is up-to-date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was taken out of work due to mefical reasons and contacted my loan servicing company for options prior to falling behind on payments XXXX 2015 I 've exhausted all funds and now have fallen behind because I only receive a fraction of my pay. Wells Fargo is refusing workout options due to my previously having a loan modification. This is added stress the fear of losing my home with no options. I ca n't return back to a normal state of health not able to sleep I need help, asked for workout options, forbearance, repayment plan but they refuse there is no foreclosure sale date so there is time to review me but they refuse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, AP XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Uplift, Inc
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer 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 an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I went through XXXX to dispute my credit reports with XXXX and Equifax. 
XXXX removed a credit card account that then showed up on the Equifax report, which was n't there before. The credit card dispute is for a XXXX account that was closed in XX/XX/2004. 
I called Equifax directly to dispute both employment information and the credit card account. They told me over the phone that they could not remove it. I filed this complaint. I also called XXXX directly and requested they contact the reporting agency to tell them to remove it. XXXX stated it could take up to 20-30 days to see any changes. They stated they would contact XXXX reporting agencies to resolve my issue. 
What I learned today, is consumers must call the creditor and have them authorize and demand removal of the credit discrepancy if the reporting agency is unwilling to do so. Otherwise there is a large law suit and call for consumer action activists. 
The problem with the employment information is there is no automated selection or choices to remove old employment information. This needs to change. 
I have now spent an entire day to clean up my credit report. 
I do not have the file associated with this account because it is so old I destroyed it. XXXX still had me on their system. Unbelievable. I was also just told by a XXXX agent that they are required to keep report our accounts for 10 years, yet web site stated it is only 7.5 years. WHO is RIGHT? What is the time credit reporting time frame for our information?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
CITI Bank account XXXX. I have XXXX CITI accounts, this business XXXX was used only during the XXXX. When the {$75.00} annual fee came due in XX/XX/2016 ; I called to cancel. The rep said if I kept the card open the {$75.00} annual fee would be reversed. After 2 months I call to inquire why this had yet to happen. I spoke with the leader of team # XXXX in XXXX, FL, XXXX. XXXX said the rep other rep did n't note this reversal in the record so he refused to do anything. He suggested I close the account and would received a pro-rated credit of my {$75.00} ; which I did, however, no credit has yet been applied. Given CITI Banks record I doubt it will be!

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 2022-05-27
Company: EQUIFAX, INC.
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 XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions. 

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this 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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2020-10-02
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
US Bank coerced me into adding a reserve line to my student checking account, when I was still a college XXXX, and I'm nearly XXXX, still struggling to pay off the debt I've accrued to this reserve line account. Since the beginning of XXXX, I have paid off the entire value of the principle amount, along with over {$250.00} above that initial amount, which has not changed since the account was opened. My banking statements say my billing period is every 30 days, but in XXXX alone, they have withdrawn funds from that account eleven ( 11 ) times in intervals smaller than that ; on 4 occasions, they automatically withdrew funds less than 1 week after a prior withdrawal. I am currently a XXXX   XXXX  on a fixed income, and with the massive loss of income I've suffered due to COVID-19 shutdowns, I need this account closed and these predatory practices to stop ASAP. It is bleeding me dry, and affecting my ability to pay utilities and important expenses.

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 2022-05-27
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had an open complaint with the CFPB regarding my loan with Wells Fargo. I reviewed their response via your web portal in which they stated they were unable to reach me. The response infuriates me, because Wells Fargo DID NOT act in good faith to allow sufficient time for me to respond to a call. When I spoke with an agent, XXXX XXXX, in the office of the president, she maintained that the responses were, in a word, canned responses, and that the " CFPB knows what we mean when we say we are unable to make contact. 

As a consumer, I find it appalling that a company like Wells Fargo can get away with providing false and inaccurate information to a branch of the federal government, and if it is true that the CFPB " knows what [ they ] mean '', I do not understand how it is possible that the CFPB is protecting consumers. It would seem that the CFPB is catering to the lenders and agents who are abusing consumers rather than taking these lenders to task over false and/or inaccurate information. 

When I asked Wells Fargo to provide a clarification letter, they stated they would n't because that was not how the " CFPB wants [ them ] to communicate. '' Again, it would seem like the agency tasked with protecting consumers prefers to have inaccurate information provided to it versus forcing the lender or company to be truthful in their statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation