BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2015, I initiated a dispute with Equifax asking that XXXX XXXX XXXX acct # XXXX validate the debt in the amount of {$710.00} and that the debt was being reported twice on my report. I received notification that the file was updated to show as " paid in full '' on report # XXXX on XXXX XXXX, 2015. I also advised Equifax that the debt was being reported twice by the same company as XXXX XXXX XXXX is now XXXX XXXX XXXX ( according to their website XXXX ) and there was an entry for both names with all the same information on my Equifax report. As of today, XXXX XXXX, 2015, XXXX XXXX XXXX was deleted but now there are XXXX entries for XXXX XXXX XXXX on my Equifax report. It is unlawful the Equifax to put this information back on my report as it was previously delete. It is also unlawful for them to all the organization to report the same debt twice. More importantly, it is unlawful for XXXX XXXX XXXX ( formerly XXXX ) to misrepresent information to Equifax under the Fair Credit Reporting act. I am asking that this be investigated as I have tried to obtain resolve from Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed this a few times with equaifax. They come back every time saying VERIFIED. Show me proof for once! I have called the courthouse and they said i do not have a recorded judgment and that equifax has NEVER called them ever. 

They are lieing. How can you let this happen. They must remove the judgment from XXXX they have XXXX file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax will not lift unfreeze credit report for ID theft victim without payment of applicable fee. 

I mailed Equifax a notarized ID theft victim affidavit and declined to go to the police. I asked that my credit report be frozen. I am now asking it be unfrozen, however Equifax is demanding a {$5.00} fee. 

Since I am a identify theft victim, I decline to pay the fee and want my report unfrozen free of charge as per state law. 

My PIN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
When I was approved for my auto loan. The bank rep said I was approved for a credit card. I clarified if it was an application for a preapproval or was I already approved. SHe responded that I was already approved. I said ok. SHe explained that I have an introductory offer of 0 % interest for 12 months on new purchases. I asked could I prepay 12 months of my auto loan on the card. It makes sense to paydown an interest loan on a card with no interest. SHe responded that she did not know & that I should call the loan department. Instead of prepaying on my auto loan. I made some large purchases. Two were prepaying other bills to receive a discount & the third was an expensive watch. When I received my first bill I saw I was charged interest. I contacted US Bank through their website explaining the situation. I also explained that I was lied to on a previous card application. I was also told I had no interest for 12 months & 1 % cash back. I received a response explaining what the introductory offer was. Which did not include 0 % interest on new purchases. They basically danced around my complaint & blew me off. Last XXXX I emailed the rep who assisted me with the auto loan. I still have yet to receive a response. I do n't like being lied to so that you can make a sale, earn a spiff, or anything else. THen for the company just to not even address the complaint is XXXX! Now I am paying interest which counter productive on the savings for prepaying & on a watch that I would not have purchased.

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 2022-10-01
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my consumer credit card bill in full on the date due. They sent me a statement with a balance for interest. When I called them I was advised even though payment was received on the due date my payment didn't post until the following day. I questioned this and they waived the interest charges, but in my mind this deceptive business practices as if I would not have known to check further and question it I would have been responsible for interest I technically did not know. How many people are getting stuck this way? Shameful this company operates this way.

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 2017-02-09
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Re : Cashland XXXX XXXX XXXX, XXXX OH XXXX XXXX, The corporate office number is XXXX, and several other phone numbers original due date XXXX/XXXX/XXXX I was unable to make the payment that I agreed to on the due date, I wanted to make payment arrangements. Before the loan was due ( which was originally for {$890.00} with the payback amount of {$1000.00} in 14 days ) I called the store and they said they could n't change the arrangement that I would have to call the Corporate office. I called the corporate office and they said they would not make arrangements until my loan was in default. Two days after the due date they tried to debit my checking account for the original amount and a small fee. There was insufficient funds and my bank set it back and charged me {$35.00}. I called the corporate office because now my loan is in default, I made several attempts to make contact with XXXX who handles my defaulted loan. She called me back and we played phone tag for another 2 weeks, They sent the full amount of the loan again and my bank charged another {$35.00}, Two days later they sent it through and again there was insufficient funds my bank charged me {$35.00} and Cashland also sent a ISF fee through for {$20.00}. My bank paid that but charged me {$35.00} to pay the {$20.00}, because I already had a negative balance. I have been trying to contact XXXX since Monday of this week XXXX/XXXX/XXXX to tell her I will take {$500.00} to the store on Friday, however I need to make arrangements to pay the other half over time. We finally spoke today and She told me she could n't make any other arrangements, they would accept the {$500.00} on Friday but I would have to pay the balance within 2 weeks. I explained that I would n't have the full balance and again asked for smaller payments. She said that was impossible, She could not work with me, because my loan has been sitting there for a month. I said I never received a copy of the loan agreement, what will happen. She said I can get a copy of my loan agreement from the store when I go in to pay the {$500.00}. She said the telephone calls will continue and they will continue to run the balance through my checking account. I told her I wanted to revoke my authorization for the ACH withdraws. She said they will not do that and she told me to have a nice day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house is being auctioned on XX/XX/XXXX. I listed my house for sale. My house is in default and I 'm trying to get it sold before foreclosure. We got an offer on my house. My package was originally sent to the servicer on XX/XX/XXXX - it was a full package. We were told it had to be initiated in XXXX. It then was initiated on XX/XX/XXXX. Bank of America has taken a full month to request documents. It is XX/XX/XXXX and up until last week they were still collecting documents. They had taken so long to request things, that they still have not done a full review of my property. My listing agent just got a call today from someone to see the property. It 's unbelievable to me that my lender needs a full two months to review short sale documents and NOT cancel an auction. I 'm requesting a postponement so my file can be appropriately reviewed.

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 2016-09-26
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Someone attempted to use my western union account to transfer {$400.00} to someone named XXXX XXXX in XXXX. Western Union charges {$25.00} for the transactions. The transaction was attempted via my online account but western union sent me an email to inform me that the transaction is under review. When I logged into my account I saw that the perpetrator use a credit card and I was able to see only the last XXXX digits of the card. The last XXXX digits does not match any of my current credit card. And the address on the card is a XXXX address. I live in XXXX. I assume that the perpetrator stole my identity and open a credit card under my name. I requested that the transaction be blocked by western union. Western declined to provide me with full credit card number. I have the last XXXX digits of card number and the address that was used. I am afraid that someone stole my identity and open a credit card account under my name in order to sent fraudulent wire transfers internationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
western union repeatedly charged me XXXX per transaction when I would send money theru theyre website where i was offered a {$5.00} sending fee they said they reimburse never did

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TRANSUNION AND XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, XXXX, and Trans Union ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

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 2016-08-19
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo continues to discriminate against me. They have destroyed my life for 2 years and the CFPB will not help. Please keep my case open until Wells Fargo admits the truth. The CFPB needs to help me communicate to Wells Fargo so they understand the devastation they are creating. What documents do I need to submit to prove Wells Fargo is breaking the law? The CFPB needs to give me more guidance. Wells Fargo still has no email XXXX accommodation available for me to contact if I have questions, see attached letters dated XX/XX/2016 from both Wells Fargo Home Mortgage and Wells Fargo Home Equity. I am telling the truth, please help me 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 2016-09-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I began using my Wells Fargo Credit Card in XXXX 2016. The credit limit is {$8000.00}. My current balance is just over {$4000.00}. On XXXX XXXX, 2016, I went to the local XXXX to take advantage of a promotion of " {$99.00} for one year of membership. '' My Wells Fargo credit card was declined when I attempted to use it at this business. In XXXX 2016, I went online to XXXX to make a purchase of {$53.00}. Again, my Well Fargo credit card was declined. I did n't understand that, so on XXXX XXXX, 2016, I went to my files and pulled my bank statements and discovered that Wells Fargo did not send me a credit card statement in XXXX 2016 ( When statements come in from all sources -- banks and utilities, I put them in a little box, in a pile ). Wells Fargo not only failed to send me a statement in XXXX 2016, the bank deactivated my credit card, and sent a negative entry to the credit bureaus, without notifying me. I have been utilizing credit off and on for 45 years, and this sort of thing has never happened to me. It is the most recent statement, XXXX 2016, that shows derogatory information in my account. Wells Fargo knows that I have excellent credit and, therefore, they should have notified me if they believed that I did not make a payment. The truth is, I did not know until recently, when I checked my bank files, that Wells Fargo had not sent me a statement in XXXX 2016 ( I am in the process of designing a spreadsheet that will show the names of all creditors ( banks and utilities ) and the dates on which their statements arrive ).

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 2016-06-14
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Left voicemail threatening arrest, then sent a collection letter trying to obtain information and requesting paying a debt that is not mine or do not owe, or is likely over XXXX years old from when I was a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been a member of Navy Federal Credit Union since XXXX. I bought a house when I was XXXX in XXXX using NFCU in XXXX just before the housing crisis. In XXXX XXXX, I had to go through a short sale because I was being XXXX to XXXX, I had to leave my family with my friends in XXXX and I was having problems finding tenants for our house in XXXX. I explained to NFCU that I want to pursue short sale and can not pay my monthly mortgage starting in XXXX XXXX. NFCU without my authorization, deducted the mortgage payment from my checking account for 6 months while I was XXXX in XXXX and while I was going through the short sale process. I did not authorize this payment and I did n't arrange for any automatic payment from my checking account to go directly to my mortgage account. NFCU transferred funds from my checking account to pay for my mortgage without my approval. This issue caused additional financial hardship to my family while I was XXXX in XXXX. I also want to check if this issue is covered by the recent judgment on NFCU for their illegal credit collection practices. Appreciate your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Name is XXXX XXXX I am a XXXX with XXXX XXXX XXXX in XXXX, Id. I have a client XXXX XXXX who has asked me to help her short sale her property at XXXX XXXX XXXX XXXX XXXX XXXX, Id XXXX. XXXX 's property is in default due to a divorce and loss of income. The lender is Wells Fargo. I proceeded with the short sale. I listed the property for {$180000.00} and received an offer for {$180000.00}. Wells Fargo approved the sales price and gave us full approval to close. The buyer 's financing fell apart right before closing so we did not close. I received another offer for {$180000.00} and was in the process of getting it approved by Wells Fargo but those buyers got transfered out of the area. I received another offer for {$180000.00} but this time Wells Fargo came back with a counter offer of {$200000.00}. I called them and was told they had a Brokers Price Opinion done and it came back {$29000.00} more than the previous XXXX. In a XXXX of months that property did not increase in value {$29000.00}. I can not sell this property for that amount. The seller did try to sell the property her sell for {$200000.00} but did not get any offers. I disputed the appraisal with comparable sold properties and information about the small town of XXXX but Wells Fargo denied the dispute. I believe Wells Fargo is putting my Client in Harms Way by not accepting the original price of {$180000.00} which they did accept. I am attaching the emails from the Wells Fargo Negotiator, and the approval letter from Wells Fargo. I do n't know what else to do. I have tried everything to help this client and Wells Fargo is being unreasonable. The house is not finished and is in an area where there is not many properties sold in a year. XXXX XXXX loan number is XXXX. I would like you to look into this matter. I believe this is wrong and Wells Fargo is suppose to be helping the home owner not harming them. They are being unreasonable. XXXX XXXX XXXX

Company response to consumer: Closed with explanation