BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently put an offer on a house and my offer was accepted by the seller. I tried to follow the CFPB 's steps detailed in " Owning a home - Compare loan offers. '' Once my offer was accepted/contract ratified I quickly moved forward with comparing loan offers so that I could select the best loan for my situation. I already had 4 lenders I was working with. I requested the " Loan Estimate '' form from multiple lenders so that I could easily compare offers ( apples to apples comparison ).
I requested the Loan Estimate from this lender a number of times and I was given a multitude of reasons for why the lender could not accommodate my request. The lender said that 1 ) Their loan form is a proprietary form and it is much better and easier to understand than the Loan Estimate, 2 ) Their system can not output a Loan Estimate until the rate is locked in and a buyer has decided to go with them as their lender, 3 ) Providing the Loan Estimate at the shopping/comparison stage is not part of their process. After numerous failed attempts to get this lender to provide the Loan Estimate I instead received something called the " Approximate Loan Cost Illustration. '' I had received Loan Estimates from two other lenders and so I could not compare the " Approximate Loan Cost Illustration '' to the Loan Estimates and conduct an apples to apples comparison. To add insult to injury, the text at the top of the " Approximate Loan Costs Illustration '' reads : " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' The fact that they blatantly contradict themselves is insulting to me as a consumer. This was very frustrating and ultimately led me to decide to go with a different lender, one that followed the rules that have been put in place by the CFPB to protect consumers.

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 2022-06-13
Company: Upgrade, 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: Account information incorrect

Complaint:
Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit.

Account Number for XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
In XX/XX/XXXX, I had bought {$5000.00} American Express XXXX 's check from my bank XXXX XXXX, because, I was traveling. Unfortunately, the checks were stolen by my shipper, who never shipped all my goods as well. In fact of this, I called American Express to report my checks stolen, hoping for a quick replacement of the check. As is the polices of American Express, but, it was not the case. Because, American Express " needed my blood, '' literately. Anyway, I had done every thing possible that American Express needed from me, e.g. police report, etc., including my bank 's involvement to get my checks for me, so that I could travel. 

somehow, American Express never replaced my checks, after months in XX/XX/XXXX, instead, I got a letter that American Express do not believe that my checks were stolen. Yet, this company placed a stop payment on the checks, and did not replace the check which I needed to use. As a result, I traveled without my checks, consequently, I suffered and went through extreme hardship on account of American Express action. 

Please I want this office to make American Express replace my checks as soon as possible. Because, {$5000.00} is a lot of money that this company is trying to covet, or withheld from me, since, XX/XX/XXXX. This is my money ; I did not borrow, nor, stole any money from this company. 

However, recently, I had sent copies of the police report from XX/XX/XXXX, other documents, letters as I was told to do, as well instructions of where to send my checks, or money. Again, I beg this office to help get my checks, or money {$5000.00} is a lot for me. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Capital ONE Credit Card ; Happy New YEar! Hope all is well on your end. Listen, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased XXXX Litecoins using Coinbase on XX/XX/XXXX. The currency showed up in my account on XX/XX/XXXX, however, after showing up in my account, my buy and sell activities became restricted for no apparent reason. After looking at my sign in log it does n't look as though someone was trying to access my information, and I even provided further identification with my drivers license with no luck. Its been 7 days and I want to be able to actually access my money. This may seem like poor customer support that just needs to be resolved, but several people on XXXX seem to be having a similar experience with Coinbase right now. I luckily only bought XXXX  litecoins for {$230.00} total. Some people have a lot more than I do, and do not have access to that money they bought, which is why I classify this as a scam. It does n't make sense that the day I receive my money, I can not longer buy or sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had fallen behind due to covid and loss of income. My business has suffered as have I.

I put in documents and was told no program was available to me. JUST PAY UP. I can not do that. I was given no parameters or reason as to
why??? NPV values were left off.

What are the guidelines.No one talks there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting an account with XXXX as a charge off and negative. This account was paid in full and XXXX agreed to delete the account from all credit reporting agencies. The account only remains on my Equifax report. They refuse to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: TX
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I have requested my account number and a copy of my statements from a closed account.

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 2020-01-07
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XXXX XXXX XXXX XXXX, Wednesday, XX/XX/2020, between the time of XXXX through XXXX, the XXXX XXXX walk-up ATM at XXXX XXXX Street in XXXX, California malfunctioned after I selected to withdraw {$900.00} from my Direct Express Mastercard ending in XXXX AND SO NO CASH WAS DISPENSED! Because of the XXXX XXXX 's XXXX holiday, the XXXX XXXX branch was closed so I was unable to speak with anyone in person. I called DIrect Express Mastercard at XXXX and filed a claim dispute on the same day of XX/XX/2020 and was given a service request number, and I was advised to fax an affidavit explaining what occurred as soon as possible to prevent any recovery of my money from being delayed. I faxed the requested information to Direct Express on Friday, XX/XX/2020, and on XX/XX/2020 Direct Express Mastercard supervisor/manager XXXX confirmed receipt of my affidavit. HOWEVER, from XX/XX/2020 through XX/XX/2020 I was unable to get through to speak with ANYONE at Direct Express Mastercard. Either I was unable to remain on hold for an hour or my call was disconnected by Direct Express Mastercard due to heavy call volumes. Finally, today, this morning after calling Direct Express a second time since my first call was disconnected after being placed on hold for management, XXXX or Direct Express Mastercard advised me that on or before XX/XX/2020, FIFTEEN DAYS after filing my ATM claim, Direct Express Mastercard response will be available. I requested that XXXX submit a message to the investigation unit advising them that they had ONLY TEN DAYS from the date of XX/XX/2020 to issue me a provisional credit. And XXXX confirmed receipt of my affidavit on friday, XX/XX/2020, two days after filing my ATM claim. And in speaking to XXXX XXXX branch manager XXXX XXXX yesterday on XX/XX/2020 at XXXX, he advised me that after balancing the walk-up ATM yesterday, a discrepancy was identified in the total amount of cash the ATM was suppose to have in comparison to the total amount of cash actually present inside the ATM. I also reported this same information to XXXX during my call. The {$900.00} was part of my monthly Social Security payment, and I have no money whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.

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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, 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 2021-07-24
Company: Freedom Mortgage Company
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was given an insurance check that needs the banks endorsement before we can get our roof fixed. Freedom Mortgage told us that it was a 7-10 day process unless we paid to over night the check and sent a prepaid over night return envelope with it. We paid for the overnighting because we actively have water coming into our home doing more damage every time it rains. We overnighted the check on Monday XX/XX/XXXX and they received it on the XXXX. Today is the XXXX and we still have not received the check back and the tracking number says that they havent even mailed it. I have talked to numerous reps and all show the check received, in processing, account in good standing, and that it should simply be a rubber stamp and returned. I spoke with a manager on XX/XX/XXXX named XXXX that said she would find out what the problem was and call me back by the end of the day. I have not heard anything from her. Freedom Mortgage has been terrible and misleading in this process. As much money as we pay them and the amount of vested interested they have in our home they should bending over backwards to ensure it is taken care of.

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 2022-10-07
Company: Google Compare Credit Cards Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2022, I had XXXX different transactions that equals up too XXXX dollars locked in my google pay account and I am a XXXX tXXXX and when someone sends me payment and I release there XXXX to them and those XXXX transactions were from me XXXX  I released peoples XXXX and then received the payment but there not letting me transfer my money out my account and they have locked my account or made it too where I cant verify my account that way I cant receive my money. Meaning my money is locked in my google pay account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-26
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from XXXX XXXX on XX/XX/2022 stating that they were calling on behalf of a debt I owed to Mobiloans.com. The caller did not read the debt collector disclosure. He simply stated that his company is a mediator and they were calling to settle prior to pursuing civil action, or before it is attached to my social security number and damages my credit rating. When asked to have the debt validated via mail, the caller refused and stated they do not send letters and only email. 

I reached out to Mobiloans Account Services department and they stated that the debt was sold to XXXX XXXX XXXX and they provided a phone number of XXXX. I spoke with a rep at XXXX XXXX who stated that they have never heard of XXXX XXXX that I should not provide them with my financial information, and that my debt was sold to XXXX XXXX XXXX XXXX. She provided the phone number of XXXX. I have called XXXX multiple times, left 2 voicemails and have not gotten a response. This company has also never contacted me via mail or any other communications regarding this alleged debt. 

I called XXXX a second time asking for a validation to be mailed to me. They refused. I asked for their mailing address, to which they also refused. They claim they are located in XXXX, GA however they contacted me from a XXXX, FL number ( XXXX ) XXXX.

Company response to consumer: Untimely response