BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Good day I am contacting you to report Capital One credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with Capital One then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX XXXX after closing, however, there is no record of that transfer in XXXX County, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure XX/XX/XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began XX/XX/XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX XXXX Servicer as a Debt Collector, refuses to close this and wipe the slate clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made the first payment on the new credit card from Capital One/Walmart of {$490.00} on XX/XX/2021. However, I am yet to have that payment credited to my account to allow for available credit for me to use the card. I called Capital One and spoke to XXXX who told me that the credit will not be available to me until Friday, XX/XX/2021.That is 9 days ( 7 business days ) after Capital One got the money from my bank account. The representative told me there is nothing they can do to make the funds available on the card before XX/XX/XXXX and that if I want I can close the account. This to me, is ridiculous service and goes against their terms of service shared at the time of applying for the credit card. It shows that they do not care about me as the consumer as long they are getting the interest accumulated on held payments ( float ). Also, because I paid the account in full, they are losing on interest that could have been charged on the balance on my account. This is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They call me on an XXXX # then tell me to call another # and say " This is a Debt Collector Trying to Collect a Debt ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Wells Fargo opened a credit card account that I said I did not want when I opened my checking account. Even after I closed my checking account, they kept my credit card account open without notifying me.

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 2016-02-29
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was referred to a XXXX XXXX by my doctor and they faxed over a referral with my medical insurance info on it and i got billed because they said that they could n't verify the medicaid part because i didnt give them a copy of the card i tried many times to get a card and to this day since ive tried the first time in XX/XX/XXXX i still have not gotten a card this doctor visit happened in XX/XX/XXXX ive disputed it its come of my credit report and immediately put back on the report it is ruining my credit

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 2016-10-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Requested increase in credit limit. The limits were approved without regard to income debt ratio. They approved debt without regard to whether it was feasible for me to pay back. Now I 'd like to move debt / consolidate to lower interest products and am unable to because all companies say my debt to income ration is too high. I 'm stuck with too high of a credit balance with an enormous amount of interest rate with no possibility of moving to lower interest products. It will take me 39 years to repay the credit balance if I continue to pay the minimum balance which includes high, ridiculous, and unfair amount of interest and fees.

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 2015-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account was charged multiple overdraft fees even though I never spent more than the available balance in my account. 

I never authorized Wells Fargo to overdraft my account. If the money was not available, my card should have been declined. 

Wells Fargo misrepresented the available balance in my account which caused me to spend money that should not have been there. They overstated my account balance which was a mistake or an intentional misrepresentation. 

When I attempted to spend the money that was showing up as available my card was never declined which leads me to believe that I was tricked into overdrafting my account so that the bank could collect overdraft fees. 

I have XXXX and do n't track my spending very well. I do n't write checks anymore so that I wo n't bounce them. I set my card up so that it would be declined if I do n't have money. these XXXX things keep me from overdrafting my account. I know that Wells Fargo is aware of my proclivity to overspend based on my credit history, and they took advantage of that. 

One Night my available balance was {$20.00} and the next day I got an email that my account was charged an overdraft fee. I had n't spent any money since the last time I checked my account balance, so I knew it should have been {$20.00} balance, but my balancev was negative {$210.00}. It 's got even worse after fees were added. When my direct deposit posted it brought my balance up to negative {$61.00}. I have {$1.00} in cash right now. I have no idea how I will have food or transportation to work for the next week and a half.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sold furniture to a buyer. I found a shipper who asked me to pay for the shipping via Cash App on XX/XX/2021 and then they would reimburse me once the buyer pays for shipping. The buyer paid for shipping that same day. The shipper never picked up the shipment. Buyer and I contacted shipper several times requesting fulfillment of service or refund. Shipper is not responding. I contacted Cash App since their website states that you can dispute a payment. I called and emailed several times with Cash ap. They keep telling me that they can not help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to get a modification on my mortgage with Wells Fargo. I have submitted a loan application twice which was denied. The first application was denied because I did not make enough income. I obtained a part time job and resubmitted. The second application was denied because I did not have sufficient history of the higher income ( i.e. had n't made the income long enough ). For each modification denial, I have taken the necessary steps to do everything requested of me. However, I believe that Wells Fargo continues to " move the mark '' once I achieve it. Additionally, my primary source of income is self employment. I have provided Wells Fargo with 5 months of income from my business. I believe that Wells Fargo is not properly considering my business income in its determination as to whether I can participate in the loan modification program. 

After the denial of each modification, my home is scheduled for foreclosure sale. When I request information on the amount needed to bring the loan current, it includes {$1500.00} of foreclosure fees. Ive requested from Wells Fargo verbally and in writing for a break down of the foreclosure fees and have not received it. A representative told me that it included a " home inspection ''. If my house has not been sold, how can a home inspection occur?

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 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 


Delete or remove these accounts off my consumer report, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I DID NOT GIVE INSTRUCTIONS OR CONSENT, I DO NOT WANT THESE ITEMS ON MY CONSUMER REPORT! NOT HAPPY! Please respect my privacy and the laws!

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 2021-05-26
Company: EQUIFAX, 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 XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a settlement offer from Wells Fargo Home Mortgage. The letter stated that I may be eligible for compensation as a result of a settlement. After further investigation, I discovered that the Department of Justice has enter into an agreement with Wells Fargo Home Mortgage to refund service members for interest higher than six percent on mortgage loans that the service member originated prior to entering XXXX XXXX. This is in violations of the Servicemembers Civil Relief Act ( " SCRA '' ). 
A settlement offer of {$5900.00} was made ; however, this amount does not cover the total time I served and paid at the rate of seven percent interest. 
I am seeking assistance from CFPB to help in achieving the repayment from Wells Fargo Home Mortgage of the entire difference for the total time I served on XXXX XXXX, based on the SCRA. 
I sought legal counsel and it was suggest prior to moving forward with any other action I contact CFPB.

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 2017-02-22
Company: Windham Professionals, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Automated recording left as voicemail. The company is calling me as the brother-in-law of someone supposedly owing a debt. They are calling repeatedly and leaving an automated voice mail which asks me to call to have my number removed. 

" Hello. This message is for XXXX. If this is the wrong number, please call XXXX to have it removed. If you are not XXXX, please disconnect immediately. XXXX, you should listen to this message in private as it contains private information. I 'll pause so you can do so. This is XXXX XXXX from WIndham Professional Incorporated a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX. Thank you. ''

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 2021-05-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I took {$40.00} out of my Credit Card XXXX, TD Card Services charged me a fee for taking cash out of a TD ATM. Additionally for over a year TD Card Services has refused to fix their system to allow me to make payments inside a TD Bank store which is in direct violation of the TD Credit Card Agreement, subsection 2 of section G which is found on Page 3. I was told by Card Services that any TD ATM would charge me a fee to take money out to which I proceeded to the XXXX TD Bank ATM to take {$20.00} out and was not charged a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  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 2021-05-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX has opened an account on my credit of {$550.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX we filed Bankruptcy and it was approved. We continued to pay our mortgage and the chapter XXXX was approved. After the approval of the bankruptcy we received a letter from Wells Fargo Mortgage asking us to reaffirm our mortgage. We went back to the lawyer who handled our bankruptcy and we were told that in NC we could not reaffirm a mortgage. At this point we did nothing. 

After the bankruptcy was granted we approached Well Fargo for a loan modification as we had a 6 3/4 % loan from XXXX. We were denied this request as we were current in our payments.We were told we would have to miss payments before they would talk to us. We stopped payments. Within XXXX months we got a call from WF about the payments at which time re requested a loan Mod, we were put in contact with that dept. and after time. denied a Mod. Back and forth for months and the foreclosure process was pu into process by WF. Meanwhile we are still working on the loan Mod. 

The house was due to be foreclosed on in XXXX XXXX?, we had XXXX weeks before we were out and a court appearance was scheduled. 

We received a letter from WF saying they would grant us a modification and we received paperwork. When we applied for the loan mod. we owed aprox. {$120.00} with a XXXX rate. and a {$1200.00} payment With the Mod. granted the new payment would be {$1100.00} at XXXX rate and a new mortgage of {$140.00}. We accepted as we did not want to loose the house. 

We had XXXX prior years with perfect credit and never missing a Mortgage payment on XXXX different Mortgages and WF bent us over the barrel and did almost nothing to help. 

Our only income at this time was S.S. with a combined net income of {$XXXX} with XXXX month Mortgage of {$13000.00} which left us with $ XXXX.to live on which is {$XXXX} a month of which {$XXXX} a month was going to medical insurance over and above XXXX. 

As for the loan modification request, we had to submit the application XXXX or more times as they kept lelling us they never received the paperwork and at the time we had the fax receipts to prove we faxed the documents. XXXX finally fixed the problem as someone had to sign for the package. 

All we ever asked WF for was a lower interest rate and we got nothing.

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