BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: DISCOVER BANK
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Discover bank reversed two deposits from XXXX XXXX, but my XXXX XXXX account does not receive them. I personally think this is Discover 's problem, because they can not provide enough evidence to prove that the transactions really exist. I called many times, and Discover 's representatives gave me inconstant reasons. I also contact the XXXX XXXX customer service, they can not see any reversed deposit in my account, and they insist that they do not request any reversal. If they do not request the reversal, that will be Discover 's issue. 

XX/XX/2020 Reversed ACH deposit from XXXX XXXX  {$40000.00} Reversed ACH deposit from XXXX XXXX  {$50000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection company continues to report an account they can not legally verify. They are asking me to prove the account when they have no legitimate documentation for the account to collect on.

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 2021-01-13
Company: Experian Information Solutions Inc.
State: IL
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:
1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus.

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my Experian credit report showing the missing payment and incorrect loan modification 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 2017-01-13
Company: Brelvis Consulting, LLC
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I worked with a debt consolidation company called Student Loan Help Center. They consolidated our loans for a fee of {$990.00}. 
We received a letter from Fedloans.gov stating the power of attorney was denied for this company to work with them to consolidate our loans The representative from fed loans told us that this company is fraudulent and they are not accepted requests from them. We are asking that our money be returned to us because they are not able to provide services for us. Also, the information they reported to the fed loans was incorrect. The # in our household was incorrect. 
The contact information : Student Loan Help Center : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: FlexShopper, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Flexshopper has been calling me for over a year. I have already filed a XXXX  complaint and gave them the FTC identity theft documents and demanded they no longer contact me. 

they call me an upwards of 5-10 times a day with different caller id 's, I block the number and somehow they get through the block. 

their reply to the XXXX was " it was delivered so she's responsible '' I have NEVER ordered anything from this company, apparently they shipped out some exercise stuff without signature or id verification and some how that's my fault? 

I don't know who they are, or what they are. 

it has gotten to the point where I just make animal sounds into the phone when they call, as they obviously have no idea what DO NOT CALL means and ITS NOT MY ACCOUNT. 

my next step after the CFPB is to sue, for XXXX per FDCPA violation, and since i have LOGGED 500+ calls from them. 

I've added phone logs, because they told the XXXX  they only call once a day and don't use other caller ids to get through.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a advocate for my father, XXXX XXXX ( who took ill in 2009 ), Wells Fargo Foreclosed on his home, in XXXX, PA, and then made it appear ( once this matter was filed with CFPB ) ; as though they were going to give my family a chance to purchase my father 's home back. But Wells Fargo knew all along that they were n't going honor the Real Estate inspection, or, the engineers report, which mentioned the tremendous amount of work that needed to be completed at : XXXX XXXX, in XXXX, PA! The Wells Fargo representative that was assigned to me : XXXX XXXX XXXX ( of the Office of the President ), strung me along -- letting us believe that our offer on the house was going to be excepted, and as long as we worked with their realtor : XXXX XXXX of : XXXX of the XXXX that our chances were great. However, due to the ( extreme ) rudeness of XXXX XXXX, we knew that the deal was NOT going to go through, as her reputation in the XXXX is not good at all!!! We assumed that Wells Fargo 's intention was just to let the house ROT, Vs : addressing all the issues in the " newly '' constructed home and allowing us to purchase it, fairly!!! Honestly, I have never seen anything like this in all my days!!! How can a bank issue a construction loan, and then not address any of the " structural '' damages, and then foreclose on the home (? ) *This is despicable to me, and I am truly disgusted by the way this entire matter went down -- from start to finish! If this is the American Dream, then something is absolutely WRONG!!! Where is the compassion for the sick? And why is n't the TRUTH respected anymore? ( The engineers report and the inspections report that was provided to Wells Fargo was thorough, which we paid good money for! Yet, Wells Fargo did n't give a hoot about the " truth, '' regarding the damages of the property! ) After all of this, I 'm thinking perhaps God has another plan for us! And he did n't want to see the roof come tumbling down, because the home was truly " the house that " XXXX '' built! '' At this point, it is what it is! However, I must say, Wells Fargo is certainly a financial institution that takes pride in misleading individuals!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: UMB FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I worked at a company for 4 years which had a health savings account option. I opened an account and had allocated a portion of my earnings to be put into this pre tax health savings account. I left the employment back in XXXX and had instructed my employer to close out any and all of my accounts that were in any way related to my employment. I believe in either XXXX or XXXX I received information regarding a new account and them charging me XXXX a month. I called and told them that I wanted the account closed. No information was provided, a check was never received and recently I got another statement still deducting the monthly fee. I called again and this representative although she was as rude as the first told me what I needed to do. These instructions or the form that needed to be filled out were never provided to me. They had to order me a new debit card so that I could use the remaining funds for medical bills. Otherwise I was told they could send me the money but there would be a XXXX fee to close the account. I was never informed of these disclosures and never authorized the funds into this account where I was charged the maintenance fees. There was no benefit for me to have this account and should have never been opened without me being advised of the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27
Company: Creditors Service Bureau Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have an complaint pending against the company. As stated in my intial complaint. This account settled by my health insurance and i have been writing to each of the credit bureaus about this account since XX/XX/XXXX. I had Insurance! I was covered by my parents policy XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and have held XXXX insurance of which I was covered under up until I was XXXX yrs of age ( XX/XX/XXXX ). I acquired my own insurance in XX/XX/XXXX when i turned XXXX yrs of age.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
Hello, im making this concern because, I was a victim of fraud scam with a credit card on XX/XX/2020, when my credit card was on XXXX $ balance and was stolen and the scammer started to used it and the bank never notified me about this matter and I never got any alert from a credit card transactions, then when I tried to fix this issue with the bank they never help me with this problem and the balance was on XXXX when I never authorized any payment and I canceled the card and notified them, I want to get all that debt removed from my credit card balance from Best Buy visa, citi bank ending in XXXX and im still waiting for their answer because nothing happen yet. 
I'll be waiting for your answer as soon as possible. thanks so much, my best regards. 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 2020-03-18
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.

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 2016-07-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This loan has been going through a tortuous modification process with Wells Fargo/ASC for years ... .at least since XX/XX/XXXX. There have been a plethora of document requests which have been complied with. After years of document requests, borrower received a variety of reason to deny modifications ... ..too much income, not enough income, modification application pages not initialed,??? single family property, on and on and on. Borrower appeals with specific request for certain verification and validation and servicer responds, but sadly the response is not on point, rather more mumbo jumbo. Most recently, borrower asked for explanation as to how borrower 's income was calculated. The response was .... '' thank you for your request for short sale. '' After inquiry from borrower, Wells Fargo/ACS indicated they had mistook a bridge loan contract ( part of hardship ) for a short sale contract????? To date, they have never given the verification/validation or explanations requested by the borrower in his appeal or any calculations supporting denial. Rather, the property is scheduled for sheriff sale, 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 2022-10-13
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used the 'Mail a Check ' feature offered by XXXXXXXX XXXX XXXX Chime ) on XX/XX/2022. Chime 's policy states that it takes 3-9 days for the check to arrive. I received a notification from Chime, on Saturday, XX/XX/2022 at XXXX XXXX XXXX notifying me that the check 's estimated arrival to my landlord would be Tuesday, XX/XX/2022. Today is Thursday, XX/XX/2022 and my landlord has yet to receive the check. I placed 2 calls to Chime 's customer support and was kept on hold for over 40 minutes. On the 3rd call, the agent let me know that the check was currently being processed and would arrive to my landlord in 3-9 days, however that is the complete opposite of what CHIME states in their policy and in the notification I received. I have also filed a complaint with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EdFinancial Services
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have applied for a refund of {$10000.00} from EdFinancial on XX/XX/22 and they have not processed the refund yet. They wont give me any dates on when it will be completed either. I just want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
Simply stated, " if there is no late payment, then there can be no late fee! '' Here are the facts : 1. the credit card company is charging me several late fees from XXXX XXXX tho XXXX XXXX 2. there were no late payments 3.I mistakenly made XXXX monthly payments in one month, the company did not initially credit XXXX of the payments to the following billing cycle as I had intended it to do. 
4. viewing on line my payment statements, transaction activity, and activity for this company all indicate equal payments of {$25.00} for the period under dispute 5. my own bank records verify, except for the double payment, that each month a {$25.00} payment was made from XXXX through XXXX XXXX 6. the company has made some adjustments, but continues to bill for late fees and now has the minimum payment for XXXX XXXX at {$100.00}, rather than the usual {$25.00} per month 7. I am a senior on a fix Social Security monthly income and can not afford such an increase in a monthly payment. It is a struggle to make ends meet as it is 8. I have talked to numerous representatives and supervisors who all miss the critical point that even according to their records, there is no late payment, thus no late fee charges 9. I have finally sent them a letter stating that if this issue isnt resolved to my satisfaction by XXXX XXXX, XXXX by XXXX I shall " walk away '' from the balance owing and will not respond to any of their attempts to collect any sums of money. I own nothing from which they can collect! 

I welcome your further inquiry regarding this issue. I sincerely hope you are able to show this company the error of their " best business practice ''. Simply because I was using good money practices by submitting XXXX payments at once, I should not be penalized with " past due fees '' when the company 's own records clearly display no late payments!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Short sale file submitted multiple times and little or no response unless forced by the borrower or agent. The approval time exceed the published time line by the XXXX XXXX XXXX. We are answering questions from the processor and underwrite over and over again with little, slow or no progress. All timelines have been exceeded and response for associate involved have been slow or unprofessional. Bottom line is that it is taking an excessive time to approve or decline a short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: SIMM Associates, Inc.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
A debt collector reached out to my brother in law, who I 've NEVER listed on a loan application as a relative, etc. requesting my contact information ( which they already have ). They explained that they were trying to contact me, or my father, and indicated that they are attempting to collect student loan debt. My brother in law has NO business knowing my personal financial matters, and the debt collector has no business reaching out and harassing him, on behalf of my personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX 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 RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO XXXX THESE ACCOUNTS ACCOUNTS XXXX XXXX  # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-03-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent over my bank statements via fax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reflecting the amount ( {$200.00} ) that is not showing on the account. I have called Called on XX/XX/XXXX was advised that its no problem and to fax to XXXX attn XXXX XXXX but just subtract that amount and they will update the account and make a payment. 
Called on XX/XX/XXXX XXXX XXXX and explained that the amount wasnt correct and that its missing {$200.00} I was then advised to send over a fax with a bank statement ( fax sent ) Called on XX/XX/XXXX XXXX XXXX and explained was advised that my account is not credited and then was advised that to wait 10 business days. 
XXXX-Rcvd correspondence stating that the amount is correct. 
( do not have date believe on or before XX/XX/XXXX ) Called again and asked for fax number to send over bank statement along with online statement. 
Called on XX/XX/XXXX XXXX XXXX and was advised they recvd my fax and that they are looking into it and to follow up in 10 business days Called XX/XX/XXXX XXXX XXXX and they are not showing a fax and repeated tried to get me to pay the amount of XXXX. I explained again that this amount is not correct and I have sent over my bank statement I am not making another payment until this account is update. I was then hung up on

Company response to consumer: Closed with explanation