BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have submitted a complaint already but it seems i can only put XXXX account number in so i 'm doing another because i have XXXX accounts opened by Wells Fargo with out my knowledge. So while applying for my first credit card i could n't get passed the red screen and there were no records of any accounts being closed for being negative or being sent to collections. When i was accepted for a new job XXXX a few days before i was supposed to start they pulled back there offer and said its because of my background check on my credit. I contacted XXXX and found that i had XXXX accounts from wells fargo sent to collections and that i owed over a thousand dollars. I took the account number and contacted Well 's Fargo about it and had them give me the application for the accounts. All the info points to fraud and it happened in XXXX in the middle of the scandal going on. Looking over the application i have never met the banker or stepped foot into the branch. Also i never owned a business and the documents are missing paperwork that says the business is an actual business. Some how they got a hold of my mothers phone number and used that as the business phone. Put XXXX for some boxes and said i grossed {$5000.00} in XXXX when i was n't even XXXX yet. The documents also have no signature and are boxed to be filed manually and from my understanding from my banker that means i needed to be there to open the accounts and there needs to be a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied for a credit line increase through Wells Fargo so that I can increase my credit score. I have never been late with any credit card payments. Wells Fargo rejected my inquiry to obtain a credit line increase. My XXXX XXXX score is XXXX. I requested a supervisor. A Wells Fargo supervisor named XXXX ( Employee ID # XXXX ) stated that there was very little activity on my XXXX card. I replied that Wells Fargo was doing an injustice for excellent customers. So, now I have a hard credit pull from my report and no credit line increase.

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 2023-07-28
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Medical billing failed to submit my doctors bill for XXXX. They filed the bill for the hospital, ( witch was paid by my insurance. And did not claim for the Doctors bill, until after 12 months, which was refused by blue cross, for untimely filling. I call the my insurance, who txt me I was not responsible for this bill, even knowing this they put me in collections. The insurance, XXXX, is sending me a letter, to explain it was the Doctors group, who is at fault but will not admit their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my house burned I called Carrington mortgage company ( who owns my mortgage ) to ask for a payoff and how to go about paying it. Their representive told me to send check to them unsigned then they would sign and send back. I would then sign and bank wire the money to them because there was a few XXXX extra in the check. I ask a number of times to make sure I was doing this right. I sent ck overnite XX/XX/XXXX to make sure it was paid XX/XX/XXXX because the payoff would change then and they would charge me more. when I called XX/XX/XXXX to see why it was n't back they told me it had to be done a completely differnet way and that they had just put it in regular mail so it would n't be back XX/XX/XXXX. when i said but that will cost me more the Rep said oh you do n't have to worry about it there is plenty in the ck to cover what ever we will need to take .When I ask how much they r going to take they said they would n't know till the check got back to them. and refused to give me any numbers at all. When I complained because I had done everything I was told to do the mistake was theirs that I felt I should not have to pay anymore than than XXXX payoff I just keep getting suffled to some one else. I had this loan for over 6 years and paid over $ 40,000.oo yet my payoff was only {$7000.00} less than I started with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I received a message from XXXX through the Simple Support messaging system saying my account was pending closure because my account use did not meet the requirements of Simple 's agreement. They froze the account. I called to find out what happened. The rep told me " my account no longer qualified for phone support. I am going to have to end this call ''. THEY HUNG UP ON ME. I kept calling bc I could n't believe it. I called the next day and got a " this number is out of service '' message. I 've my friend call & she gets right through. They blocked my number using a fake out of service message. They blocked me from the support site with a fake " we broke the internet '' page. ( see we broke the internet vs everything 's fine attachments ) What did I do to deserve having my money stolen? Who knows? But it is not just me, I found 10 more cases. They promote themselves as being human goodness but this is the most hateful, disrespectful, offensive company ever. I could n't pay my rent I am up to {$400.00} in late fees and pray I do n't get evicted. I have another {$250.00} in late fees from my other bills. I was supposed to get a cat scan on the lump in my neck. Could n't do it. ( It 's either an XXXX or XXXX. No biggie. I have reached my limit of how much more I can take. was hit by a XXXX lb SUV while walking & got a XXXX from the XXXX and XXXX. I thought my life was calming down. I don ; t have the money for the late fees. What to hear something funny? I decided to see if I could sign up for a new Simple account. Hoping if I was rejected it 'd tell me why. Nope, I was accepted. They have also lied to the XXXX saying they could not talk to them because of my privacy rights. There is nothing in the privacy agreement that prevents them from talking or me waiving my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nothing happened never heard back from them and its been over 30 days.

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 2023-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I represent a homeowner who has a loan with Carrington Mortgage.  We have had a buyer in contract for over a year now.  Carrington has been reviewing our short sale for that much time as well.  Finally when I thought we would be getting the approval, Carrington closed our file out stating that we did not provide the correct documents that they required for the short sale to be reviewed.  This is absolutely not true.  I did provide them with the Deed of Reconveyance from XXXX for a XXXX lien that was satisfied over 10 years ago.  Carrington wanted a "Release Of Lien" recorded document and not the Deed of Reconveyance document that we provided them from our County Court House.  I spoke to title about this document that Carrington wanted and they told me in the Sate of Washington, we do not provide or do "Release of Lien" recorded documents for that type of lien.  ONLY a Deed of Reconveyance is given to the bank and seller for this satisfaction of lien.  Title even spoke to the supervisor at Carrington about this and told them that there is NO SUCH document when we have the Deed of Reconveyance.  Carrington did not care that even a Title officer telling them that what they already have what is legally needed to satisfy that lien.  They sill refused to work with me or the seller in getting this short sale back active in review and allow this document to satisfy this requirement.  This is absolutely not legal to hold a sellers home hostage and not allow them to exercise their rights to do a short sale when all of the required documentation was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I previously filed a complaint with the CFPB and am extremely disappointed in US Banks response! It seems as though they are not reading my complaints at all ( or maybe they are in cahoots with the fraudulent merchant ). My complaint was NOT about an error on my bill! I was scammed by a company and they did n't even address the issue. What is the point of having a credit card if the issuing bank wo n't even investigate my concerns?

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 2015-05-14
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have US Bank XXXX XXXX personal and business credit cards. Both have the annual fee and it is advertized that this annual fee pays for cards benefits. One of the benefits is Bonus Award Night. However they decided to remove this benefit from both cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: SECURITY FINANCE CORP
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not give permissable authorization for XXXX XXXX t give my credit report information to Professional Financial Services for a application on any vehicle loan. I have governmental XXXX financing & never signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all XXXX companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I asked the person on the phone to not call my place of employment, several times. However, they continue. We can not receive personal calls at work. I explained that to them. I got threats of arrest and they also sated I was irresponsible and I should act like a lady and not just hang up the phone when they call my job. I have told them that I can not pay a lump sum on any debt, but they throw out threats and attempt to intimidate me. I would like them to stop harassing me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I started getting calls from XXXX XXXX XXXX at XXXX a month ago. They said I had an overdraft with US Bank sometime around 1995. I did not remember an overdraft so they told me to call US Bank. US Bank said they had no records left, had sold the account to XXXX XXXX, XXXX. I contacted XXXX XXXX. and told them how many phone messages and emails I had sent XXXX to verify debt and they said they would contact XXXX for me. Then a week later I get a call from someone who would n't give me their name saying I was going to receive a summons. I asked why and they told me to call XXXX XXXX. I called and they put the " guy in charge '' on the phone who told me that XXXX did n't have to return my call and since they were taking me to court and plan to win they did n't have to give me verification of debt. They also said I would go to jail for writing bad checks. I do not ever recall writing a bad check. Then the guy said I had one chance to accept a settlement and my answer would be recorded for court and jail. I said without verification I did n't feel comfortable settling for sending anyone money. He was rude and scary and said they will win in court and I was going to jail. I 'm frightened. All I wanted was paperwork confirming this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
my mother passed away XXXX/XXXX/15 and left no assetts except for this house which i am on the title.. She had a main discover debt of XXXX which i have been attempting to pay.. I am on XXXX and can not afford to make payments anymore.. Discover has been calling XXXX and sometimes as much as 7 times a day..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: DISCOVER BANK
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is " business decision '', but no further explanations. 
It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: MCMC Auto LTD
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was contacted on XXXX/XXXX/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
On Saturday, XX/XX/2016, I drove to the nearest U.S. Bank branch ( U.S. Bank XXXX XXXX, CA - XXXX office, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) that is open on XXXX to make a payment for my U.S. Bank Cash+ credit card. Before making my payment, I withdrew {$300.00} from my XXXX XXXX credit card, from the XXXX XXXX, CA - XXXX office at XXXX Pacific. After withdrawing the money, I waited in line to make a payment with one of the branch 's teller 's. Since I do not carry my Cash+ credit card on me, I made a {$120.00} payment using my social security number. I made the payment at approximately XXXX Pacific. I am certain that I made the payment before XXXX Pacific because U.S. bank credit card payments are do at XXXX Central, which is XXXX Pacific, and I remember feeling relieved that I made the payment on time. 

On XX/XX/2016, I received a letter saying that my account was past due. But the letter also said that if I had paid that I should disregard the letter. So I disregarded the letter until I received my next statement. When I received my next statement, my minimum payment had increased to {$250.00} because according to U.S. Bank I did not make the payment due on XX/XX/2016. I visited a branch and XXXX of the representative 's printed out a copy of recent transactions that did not show my XX/XX/XXXX payment. The representative told me the best course of action would be to identify my receipt. I looked for my receipt but I was unable to find it. So in the past two weeks, I have gone to the XXXX XXXX, CA - XXXX office to ask for help. I 've been told that they will search for the transaction and reach out to me with their findings. Today, XXXX XXXX, 2016, I called U.S. Bank 's customer service and I was told that only the branch could help me with my issue.

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 2017-09-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a lawsuit against wells fargo back in XXXX XXXX cases XXXX and XXXX. XXXX XXXX was the provider. wells fargo has done everything to prevent from keeping my house. The following list is a summation of the events > XXXX ) wells fargo has consistently not applied or has misapplied my payments. They misapplied at least XXXX payments from my loan on XXXX XXXX XXXX XXXX mn XXXX and have failed to rectify it XXXX ) wells fargo behind my back paid a renter XXXX dollars to vacate my property that I had in litigation XXXX ) After winning my case in XXXX XXXX. XXXX XXXX had to contact wells fargo each month for 4 months up until XXXX XXXX for them to apply my payments this did not happen until XXXX XXXX. I made my payments each month and wells fargo kept applying my payments to principal on my loan amount. I kept making my payments up until XXXX XXXX XXXX. Wells fargo abruptly stopped taking my payments and never called me and then actually through ACH forced the money I sent them back into my account. From that point on they never contacted me and refused my payments XXXX ) I was never paid the XXXX that I paid my attorneys to sue wells fargo XXXX ) I was awarded XXXX from judge XXXX to be paid by wells fargo due to the fact that wells fargo did not follow the judges protocol in reversing the foreclosure in a timely manner. This was to be applied to payments which was never done. 
XXXX ) I have had many conversations with wells Fargo ' XXXX office. the people in these office are barely college educated kids who do not understand the banking process and pander to whatever Wells Fargo want them to say.the issues never get resolved I want my XXXX dollars applied to my account : basically applied to my past due payments that wells fargo has refused to accept. I want my XXXX that was awarded to me applied to my past due payment schedule.. 

Wells fargo has caused a lot of heartache and pain and suffering since the 5 years ago when I took them to court and won my case against them and they continue to do so.They are a monster and the banking system should cause them to fail for everything they have done to people. there are numerous lawsuits against wells fargo including the recent one where they fraudulently opened accounts unknowingly for their customers. how long must wells fargo be allowed to do whatever they want and go unchecked. They are a corrupt organization. 

I want these monies applied and I want wells fargo to take my house out of foreclosure and I also want my mortgage free and clear from wells fargo I took them to court once and I will take them to court again. 

The CFPB has an obligation to take care of this for me as well as all consumers who have been tortured and bullied by this banking institution

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