BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Call to WELLS FARGO XXXX XXXX 2016 @ XXXX Just was in a phone call with Wells Fargo on my son 's student loan. First the help was not very helpful. I wanted to know if my son 's charge off was taken off my credit report. She said if I am the cosigner, then it will show. I said I got that, and his was cleared off. IF that is the case, then mine should be. She said there were many documents sent to my home, ( and I dispute that accuracy ) explaining the status. Under the contract, he was to be registered as a XXXX XXXX XXXX. He has proof that he was well with any grace period, specifically the dates of registration for his attendance at a XXXX XXXX and upon completion, he is now XXXX XXXX XXXX University. 
Just to make myself clear, I understand my legal obligation to the debt as a cosigner. I do not agree to the charge off status as he was fulfilling his obligations and can provide proof he was a XXXX XXXX XXXX. 
The most upsetting part of this phone call was the last part. I told her at this point this whole thing is becoming punitive in nature. She asked me, what would I like to have happen, put the charge off back on his credit? Said yes, do that, but as the cosigner, I do n't have that authority and you will have to deal with his lawyers. Then she said she could n't do that with so I said basically you lied to me and this was a threat to his credit report ( an empty one but proves the nature of the punitive accusation ). At this point, she officially ended the conversation.

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 2021-12-30
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was increased from {$1100.00} in XXXX of 2021 because of a escrow shortage for taxes of around $ XXXXMidland stated they could charge double for escrow shorts and increased my annual payment by {$850.00} divided by XXXXI paid the {$850.00} shortage to my escrow and paid the mortgage payment that had increased.I requested a escrow analysis and they only lowered my payment by $ XXXX.My payment should have gone back to the original payment of {$1100.00} since I paid the escrow short.There is no reason for midland to continue to collect the {$850.00} annually for my escrow and increase my Mortgage payment.I paid the {$850.00} escrow payment around XX/XX/XXXX XXXXThe analysis was done in XXXX of 2021 and the result was a {$4.00} decrease.I need my mortgage payment to return to {$1100.00} monthly.

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 2016-04-01
Company: GREAT LAKES
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loans are being serviced by Great Lakes and they are the worst servicer I have dealt with, They are not offering any financial hardship assistance to me whatsoever and I do not want to continue to work with this agency. I spoke with XXXX in the wage garnishment department who was rude, misinformed, avoiding to answer questions, refused to give her last name, refused to get a manager on the phone when requested and not helpful at all. I then had to hangup on her because she offered no assistance and called back and spoke with a lady who claimed she was a supervisor who the other representative claimed their were none available and I spoke to XXXX XXXX, who was not very helpful either and spoke down to me and my representative and would not offer me an affordable payment arrangement after I had given her my income information. I told her that I could not afford that and she insisted on that amount to be paid in order to stop my garnishment. I offered to pay an amount that was more affordable and was turned down to do that. This lady works off commission and gets paid if she get money from me and I just want to resolve my loans with reasonable payments so that I can feed my XXXX children and still pay my rent. This is deplorable and I want this agency to be removed from servicing my loans and allow me to consolidate since that is the only reasonable solution for me at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The first thing was that I informed that I would have partial modification for my mortgage. However when I took my taxes in last year they informed me that they gave me a full modification. Secondly my escrow and taxes for my house went up almost two hundreds. They informed me that this was an estimate for the house for they next year. Two year ago I over paid in my taxes instead of them given me options that made the choice for me which I did not understand why did they asked me I would had put for payment. I can not trust them because I have not seemed the changes in the amount for the outstanding amount. It is always the same I know I have reduced the amount. I have been paying on this house for at least 15 years and they still saying that I old XXXX on this house. This house is not even worth that much. At not time have they as if I was a service man Finally I thought when you getting a modification that you do n't pay they tell me to keep paying until it is final.

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 2016-07-12
Company: HONOR FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My car loan was sold to a finance company because the original seller went out of business. Ive asked for new contract or something in writing by mail explaining that the debt in fact has been sold.they refuse to give it to me. They constantly threaten me to seize property or garnish wages and say rude things when im only behind by a day or so. i also have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX was paid by XXXX now they are out of business XXXX which i still have and never used have 2 collections on my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Spring Oaks Capital, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS IS NOW MY SECOND ATTEMPT TO RESOLVE THIS DEBT. On XX/XX/2021 I sent a certified letter to this company asking the for a dunning notice as well as validation of this debt. The certified mail number is XXXX. They claim they didnt receive this letter but is was picked up by someone in their office on XX/XX/2021. I then sent another certified mail letter dated XXXX/XXXXXX/XX/XXXX number XXXX which was picked up by someone int their office on XX/XX/2021. I also called in to to speak with a Supervisor on XX/XX/2021 and asked if they received my disputes.they stated that they sent me proof of debts owed to an address of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Pa which I do not live. They then proceeded to tell me that the address they had on file was my current address which I found odd. They also told me that they would send me an email with proof of debt within XXXX4hrs via email which they verified that they had. I still have never received this email. I then called back on XX/XX/2021 and Spoke with XXXX XXXX and he told me that he would send me an email with validation of debt and still no email. At this point they are past several violations of the FDCPA and FCRA. I have no other choice to pursue legal action if this account is not deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXXe is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX/2021-XXXX/2021 which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of 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 non-monetary relief
Consumer complaint received 2021-12-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021. My XXXX account was hacked the person changed my password and email and I no longer had access to my account they were posing as me posting scams that they were giving money away for XXXX. I XXXX  the phone number for XXXX help I called the number and thought I was speaking with XXXX they had me install an app called XXXX on my phone and home computer they said they had to secure my account because I had purchased items on marketplace so they said I had to log in my bank account and they XXXX money out of my account. XXXX XXXX XXXX XXXX and took out a standby loan for XXXX. They said they would call the next day with my new password for XXXX when I realized what had happened I called the bank. I filed a police report. And these people sent text messages posing as they were XXXX saying kindly call them if I wanted my XXXX back I have the text messages. I dont know what more they would need. As these people clearly stated they took my money. I am a single mother and live by a budget that was all my money I dont have rent money now and I dont know what Im going to do. I have never XXXX any large amounts of money ever .I have been a Huntington customer for quite sometime they can see my account and transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked Experian to remove hard inquiries on my credit report that I did not authorize or have business with. Experian replied that they were verified. The following requests for hard inquiries were not authorized by me and I would like them removed. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX fund. XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2022-05-14
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:
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 
XXXX XXXX XXXX, Acc # XXXX has violated my rights. 
XXXX Acc # XXXX has violated my rights. 
XXXX  Acc # XXXX has violated my rights. 
XXXX Acc # 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. states a consumer reporting agency can not furnish an account without my written instruction.

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 2020-06-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
During the COVID - 19 pandemic, I attempted to make my regular on-line payment and had been 'locked out ' of my " XXXX  '' App, and " on-line '' access to my credit card account. ( due to security reasons ). I contacted customer service via their toll-free XXXX #, and attempted to resolve any unresolved issues. I was notified that to continue, it would be mandatory that I submit an " I.R.S. consent form 4506 - T. '' I declined, and requested my DISCOVER credit card, and account be CLOSED immediately ... 

XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Escrow account we asked  Chase to remove home owners insurance. Chase did a mortgage escrow account review and noted a shortage. 
Chase printed the statement on XX/XX/2015 I received the notice on XX/XX/XXXX (Saturday), that my total monthly mortgage and escrow payment will change on XX/XX/XXXX Chase gave me the option of paying the shortage, or changing my monthly payment, or paying a portion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This debt was discharged XX/XX/XXXX, Bankruptcy case # XXXX, not sure there why this is still on my credit report, as well as several inquires in XX/XX/XXXX, from this company. I have attached XXXX of the several letters I have sent to this company, starting in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: LEXISNEXIS
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:
Dear CFPB, I did not consent, authorize, nor benefit from any of the following inquiries. Please direct LEXIS NEXIS to block and remove them from my consumer report : 1XXXX XXXX XXXX XXXX 2 . XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX I have already mailed a copy of my identity theft report and identification to LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against Transunion and XXXX XXXX XXXX. On XXXX I received an alert that a hard inquire was made by XXXX  XXXX XXXX. I contacted Transunion because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with XXXX  XXXX XXXX. The following day I called XXXX XXXX XXXX fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted Transunion and let them know that XXXX XXXX XXXX could not see the inquire so they were unable to help me. Transunion started that they needed XXXX  XXXX XXXX to write a letter stating that the inquire was fraud. I investigated further on Transunion website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on Transunion website clearly shows the name and address which do not match my information. I was told by Transunion they could not help me without the letter from XXXX XXXX XXXX. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that Transunion has the information on their own website showing it was not me and they will not assist me at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: HONOR FINANCE, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This company by the name of Honor Finance has been continuously reporting inaccurate information to all three major Credit Bureau. I have filed several disputes asking all CB to delete this inaccurate information based on the grounds that this company has not provided myself or the CB with sufficient information as requested. It has been 7 months now, extremely past the allowable time in which the creditor has to respond to my request of information and validation of debt, in accordance with FDCPA. At this time this company is in violation under FDCPA section 809 ( B ). The derogatory information thats being reported is stopping me from advancement in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
BinanceUS has blocked users out of their accounts pending agreement with updated terms of use that include a face scan to be shared with the companies affiliates. 

Users were not made aware prior nor given a chance to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: TX
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:
XXXX violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016 I closed XXXX of my Wells Fargo accounts. XXXX closed without issue and I had a pending charge on XXXX so I had to wait for it to clear before I could close it. The charge went through and I called back and closed the account. I assumed that was the end of it. Several months later I received a collections notice for {$210.00} from Wells Fargo for the account. I called Wells Fargo and they told me to file a claim and they would look into getting it reversed. 3 weeks later I received an email saying that I should consider the matter closed. I figured that was the end of it then I received yet another collection notice from Wells Fargo for {$210.00}. There was a charge from XXXX that was auto pay and I had forgotten about it. Once I got the collection notice I cancelled my membership to XXXX and I was told over and over by the people at Wells Fargo Customer Service that they would just reverse the fees and call it even. I assumed that was what they were going to do but they are coming after me to {$210.00} worth of fees for an account I was under the impression was closed XX/XX/2016. I am being told by WF Customer Service now that they ca n't do anything and that I will just have to pay it.

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