BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is my servicing bank. I noticed them that our loan will be resetting in XXXX and needed help. 
After sending all the info they requested they denied us a modification. We were not asking for a modification per say. In our hardship letter we ask for help with a refinance so we could continue to live in our home until property values improve in our neighborhood. 
Their are XXXX foreclosure in our neighbor and nothing is selling. 
Our home is considered a luxury home and this size home are not selling as this time. 
Wells has help us in the past, since we purchase the home in 2007. We have honor our agreement and have not been late, all taxes and insurance are current. We have not deed but Wells Fargo said we have asset we can sell, true but that is our retirement. That like telling us to take money out of our XXXX. 
The could if they chose too give us a refinance but they are making a lot of money off our loan. In XXXX our loan will increase XXXX XXXX dollars. Payment will go to over {$8000.00}. The only option they give me is a short sale. We put {$700000.00} down on this house and would like to sale when we can get some of our investment back. 
I have ask the bureau for help in the past but receive very little help. 
My desired resolution is for Wells Fargo to simple refinance our home for a XXXX arm at 3 % interest. This would give us time to sell and pay down our loan. 
Thank you for your time. 
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2016-02-20
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
My personal information was fraudulently used as a co-signee by XXXX XXXX XXXX for a medical credit. It was approved for her with out proper verification. Only my name and social security number matched what XXXX XXXX XXXX, the company that issued the credit to XXXX XXXX has on record in the application. Every other information, date of birth, address, job, telephone, wage, and email did not match, yet the application was approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My credit card was with XXXX XXXX XXXX  and then sold to Capital One XXXX rewards ending in XXXX. I have a perfect pay history and never been late. They are charging an outrageous interest rate over 22 % and will not and refuse to lower the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Global Lending Services LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Ascendium Education Group
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls me 5-10 times a day on my work phone although Ive made it clear that its a work phone and not my personal. They have also called my boyfriends parents repeatedly after I and they have asked them to stop. Today they have called me twice XX/XX/20 at XXXX and at XXXX where they lie and say they are trying to verify employment ( but dont say for who ) and they need me to call back. She rarely says this is an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had to use XXXX that belongs to City XXXX 
they sent me a bill with a wrong information. 
i asked them to submit it to my health insurance and double check the bill. 
instead of submitting the claim to health insurance they submitted it to collection agency. 
collection agency never contacted me and just reported the illegal debt to my XXXX account and damaged by perfect credit score. 
i contacted people from debt collection agency and informed them that there was no debt. they informed me they would check everything and get back to me. after that they disappeared.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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 lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX  XXXX  XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made repeated attempts with XXXX XXXX XXXX to get an itemized bill and medical records. When I call I'm either told the system is down, or I have to leave a message and no one returns my call. I have no problem paying the debt once I am given the chance to look over records and the bill to make sure I am being appropriately billed. This is no different than receiving a recipe for goods or services bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: FL
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. 
I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and i did not give Equifax written permission to furnish these accounts/ Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Several years ago I/we had ID theft. We place freezes on the three major credit bureaus. Now I am trying to temporarily lift the freeze in order to secure a new mortgage. 
XXXX  & XXXX  have been great. Experian is a not so cooperative. 

I have tried multiple times to follow Experians online credit unfreeze process and it all ends in an error. The end result is for the consumer to call Experian. After working through all of the automated prompts their system instructs, the end result is a recording that says I need to send copies of my personal ID 's - Drivers License, SS Card, Utility bill, etc. via US Postal Service to them. Talk about a recipe for ID Theft! " Yes, send copies of all this stuff that we tell you to hold close and don't give to anyone '' Experian DOES have an option to upload documentation via secure server, just not for credit freeze/unfreeze issues. 

Experian also does not allow for ANY option to talk with a human operator or case worker.

Why is it that I am beholden and held hostage by a " for profit '' company that I did not ever sign up for their services? They have been granted " immunity '' from the federal government to exercise their freedom of " lack of customer service ''. 

I would ask that if a company like Experian is allowed to exert so much control over a consumers financial lives, then that company MUST offer a more robust customer service experience. But ultimately I would like the free market to decide which credit bureau survives or not, the the consumer/business ' decide!

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 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
CFPB Complaint XXXX/XXXX/2016 Credit reporting and investigation issues. 
This complaint is a direct result of the statements provided by XXXX XXXX with CFPB Case No : XXXX. The statements provided are of such low quality they are difficult, if not impossible to read ; therefore I am attaching their original response. 
I attempted to send the statements to TransUnion via fax but was informed by a TransUnion representative the statements provided by XXXX XXXX are not legible when printed or fax. 
I am attaching the statements and the letter, that were uploaded by XXXX XXXX to the CFPB complaint dated XXXX XXXX, 2016 signed by XXXX XXXX, stating the account is reporting correctly with the CRA 's with a balance of {$2500.00}. 
My current credit report of XXXX/XXXX/16 shows a high balance of {$1900.00} and/or the credit limit of {$1500.00}. This is incorrect. 

I have attached my current credit report, showing XXXX XXXX reporting inaccurate, along with the CFPB XXXX response from XXXX XXXX. 

Thank you for time and assistance in this matter.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: FL
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 have found fraudulent accounts that was opened on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NJ
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 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 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 2018-06-05
Company: EQUIFAX, INC.
State: MD
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 previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and Equifax has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank XXXX North Carolina, Was Neglectful in protecting my money. For todays money was being withdrawn from my account in the amount of {$9000.00}. I was not alerted and they did not put a freeze on what was going on with a fake debit card. I have never owned or used a debit card. Checks are being used with forgery and the bank is refusing to return any money due to 60 days up and not me not reporting. I did not know what was happening due to the fact that I was not receiving any kind of statements or male of any kind. Im still working with the post to start service. This bank was negligent and this is my retirement Im XXXX And I need my money returned. I live alone and Im finding out that I have identity stolen, bank fraud, mail been intercepted. TD Bank has been less than helpful they have been cold and callous they refused to even dispute all the things that I told him too. I am treated As if I did this I am the victim. Approximately 15,000 has been taken from my account police reports have been made. Credit bureaus have been contacted. TD Bank was neglectful with any alerts as their ads will say that they will protect our money. They did not protect my money it should have seen in two days {$9000.00} was being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine.

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXXy showing on XXXX and Experian 2. XXXX XXXX - XXXX that is showing on Experian and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX Experian , and XXXX is reporting inaccurate lates 5. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
1. Interested in purchasing cryptocurrency. CashApp based in XXXX XXXX, CA ADVERTISED ease of buying Bitcoin, as well as transferring the cryptocurrency to others or your own wallet for free. 2. WAS easiest method I have found to buy Bitcoin, true. Starting XXXX, added {$250.00} to CashApp, and continued adding $ and buying BTC over the next couple months, worked GREAT, SUPER HAPPY. XXXX. NOT TRUE was that you could transfer the BTC out whenever/wherever you liked. 4. CashApp REALLY wants you to keep 'your ' Bitcoin with them, NOT transfer it out. When you try to transfer BTC, they block you from doing so. ( DO NOT SAY any message like that, just that the 'transfer failed '. IT DIDN'T 'FAIL ', CASHAPP BLOCKED IT. ). 4. When you ask why they blocked transfer, they cancel your account. 5.They offer no explanations, do not answer direct questions in support forums, whether email or chat, and have NO phone contact. 6.So, instead of transferring MY BITCOIN to MY WALLET, I had to sell MY BTC in order to transfer it out of the closed CashApp account back to my bank account. ( XXXX cashed BTC out. ) 7. When I went to transfer the cash balance ( {$3000.00} total ) back to my original back account, I was limited ( by Florida statutes CashApp said ) to only {$3000.00} per week, or something. OnXX/XX/XXXX, I transferred {$2500.00} back to the bank account successfully ( after a week or so to show up ). 8. Then when I went to transfer the remaining {$580.00} balance, CashApp blocked me doing so,. ( AGAIN, there is NO explanation given when the app does so, it just 'does n't work ' ) .9. After contacting CashApp support, they declared my account THEY TOOK ALL MY MONEY FROM was somehow 'fraudulent ', and they were demanding I link ANOTHER ACCOUNT to them in order to transfer out the remaining {$580.00} OF MY MONEY. 10. GIVEN how they had lied to me, and were trying to steal my money, I wrote back that there was NO WAY I was going to link a new account to them, and to either send it back to the bank account they were very happy to take it from, or issue me a paper check for the {$580.00}, but NO WAY I was linking a new account to those lying snakes. They did NOT answer that email or any subsequent emails telling them the same fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from Transworld Systems Inc. on XX/XX/2020. The automated voice message was from someone called XXXX requesting that I call phone number XXXX. The message said they were trying to collect a debt. The message said I should call them. I do not owe any money to this entity. They are also reporting false information on my credit report. I do not have any outstanding balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.

Company response to consumer: Closed with explanation