BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with documents their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 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 explanation
Consumer complaint received 2016-08-07
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. I am writing to you because of the dilemma I seem to have with getting my mortgage adjusted to compare with other upstanding and/or low standing citizens of this country. 
I am a XXXX yr. old self employed, divorced man that refinanced my primary residence ( thru BB & T ) in order to pay off my XXXX wife 9 yrs ago. 
The fixed rate on my mortgage was set at 6.35 %. I have attempted many times to refinance this mortgage. But, due to guidelines set after the meltdown in 2008, no one has offered to refinance my mortgage because I 'm self employed and do n't show a good enough income on my tax returns. 
I have held many mortgages in my lifetime and they were always in good standing.I own collateral real estate that should easily back me up on my existing mortgage. I 've been self employed in the XXXX XXXX XXXX for over 32 yrs. 
Other than the fact that the I.R.S. allows the self employed individual, that runs a service business, to write off many business expenses, I am better qualified than most refinance applicants. 
So, as far as I see it, this is blatant discrimination against XXXX ' hard working, honest, self employed individuals. Who knows where this might go, but I have no other choice, but to stop paying my mortgage to get some attention. 
I am a master electrician, plumber, mechanical tech and appliance tech. I pay my bills and take care of my responsibilities. 
Recently I have had some challenges that have influenced my decision to pursue serious negotiations with BB & T, i.e., XXXX and a XXXX, XXXX, XXXX XXXX XXXX, XXXX, moved my Mother into my home, basement flooded, XXXX. composite and tile deck disintegrated, Concrete patio and driveway are broke into many pieces, Heat pump needs to be replaced, XXXX roof needs replaced, My business truck XXXX was totaled, etc. 
The main objective here, is to lower my interest rate to 3 % or less, and switch to a 15 yr fixed mortgage and start all over with NO penalties, NO past due interest, No past due premium, No FEES!!! 
BB & T has taken tens of thousands of dollars from me over the years in interest and its time for a fair and reasonable business relationship or none at all. 
Sincerely, 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 2015-04-03
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company collects for XXXX XXXX XXXX Court, it was for an old red light camera ticket that I was never aware of. what happened is it came to my attention when they intercepted my state tax refund, then I contacted them and paid the remaining balance. I had paid this debt around XXXX of 2014 to XXXX. I asked XXXX several time for proof the debt was paid they would n't provide it. They did say the account would be reported as paid to the XXXX major credit bureaus. Later on 2014 around XXXX, a property management company pulled my credit for approval on a rental. They informed me of a negative item still showing. This alleged still outstanding debt. I contacted XXXX yet again, they informed they had done the reporting as paid. I informed them it is still showing, and it needs to be resolved ... Now this year I pull my free credit reports as allowed once a year and again ... This is account is still showing as a derogatory item on my XXXX report! This Company is in direct violation of the FCA and FDCPA. My attempts to resolve this with them have failed they are n't following through.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied for a Sam club credit card due to a high risk but I never applied for any previous applications and no credit was pulled and this bank has a history of discrimination in the past and all I wanted was a credit card to fix my credit and build a banking relationship and unfortunately they blocked my social security number and run my credit and sending me bad letters to my address and I cant get a credit card or have the opportunity to send in documents and I would like this to be fixed this problem started after I reported a Sam club account open in my name and it was removed but there is no balance and the bank didnt suffer a loss at all!!!

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 2021-06-28
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i sent a debt validation letter to united collection bureau on XX/XX/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015 I contacted Wells Fargo to inquire about a loan modification as I was recently divorced and nervous about being able to remain current. After explaining my situation to the representative at Wells Fargo I was told that I qualified for a Forbearance program, which you need to do before you can qualify for a loan modification. I was sent a contract with my " modified '' mortgage payment and in the contract it states that Wells Fargo will report that I am paying a modified payment. No place in the contract does it say that they will report you paying late during the process.I paid the amount due as stated in the contract. 6 months later I go to refinance my loan to get my denied due to " late '' payments being reported on my credit. I have contacted multiple people at Wells Fargo and no one is willing to assist me clear this up. Wells Fargo is known for unfair and shady business practices and this is just one more added to their list. I would like for the lates that are being recorded to be removed as I never paid my mortgage payment late. I paid according to the agreement.

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 2016-02-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I 've been with Wells Fargo for 22 years since they were Wachovia and before that XXXX XXXX. 
I have several credit cards, accounts and a line of credit with them and this past Sunday I had a payment due on my Personal Line of Credit for {$300.00}. I have it setup to automatically pay from my checking account, but I was in my account so I went ahead and paid it thinking it would stop the automatic withdrawal. It did n't and both payments posted causing my checking account to be at XXXX. Then Monday two payments hit my checking account triggering XXXX over draft charges. I immediately called Sunday trying to stop XXXX of the payments when I realized my error and they were n't able to stop the payments in time, but they did refund XXXX of them to my checking account and I was told to call back and request a refund of the over draft charges after everything settled. 
I have XXXX problems one I do n't feel I should have to pay these over draft charges because if I had n't made the mistake the {$300.00} was more than enough to cover the charges I had coming through my account so I did n't need to use over draft services. 
Second I want to complain about how I was treated on the call this afternoon by one of the Supervisors - XXXX, when I asked for my money back. XXXX could have easily been a robot talking to me. She stated the company policy and from the time she opened her mouth I could tell I meant nothing to her and neither did my 22 years as a loyal customer with them. In the end I think I 'm more offended by that lack of regard than by the loss of {$40.00}. She was such a smart aleck that she even stated I could cancel the over draft services if the fee was too high. Total disregard for me as a loyal customer and when I mentioned that I had been with this bank for 22 years and asked her how long she had ( because I wanted to know if she was from Wachovia ) she cut me off and said how long she has been there has nothing to do with the banking policy. 
The sad thing is I train customer service reps and there were many different ways to handle this situation, Wachovia/XXXX XXXX would have either explained the policy and offered a courtesy refund or I have even had them split the difference with me, but to be out right cold and brutal, they would have never done this. 
I stayed with this bank so long because I expected loyalty back as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

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 2015-09-22
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
. I entered the bank Saturday morning XXXX XXXX, 2015 to cash a check from my employer. I was informed I would not be able to cash my check because the amount of funds in the account was not enough to cover the check but I could deposit it. I said this does n't make any sense I am a member here and I need to pay to have my tires fixed next door. He ( XXXX ) told me there was nothing he could do so I asked why have n't I received my debit card and he looked into my account and said it had been mailed two days prior. I asked if and when I get my card will I have trouble with accessing my funds once my employer begins to submit direct deposits, he said no. I requested to withdraw the funds I had in the account and asked if there was a bank close with the logo on my check. He told me where it was located, the teller gave me my funds and I left. My debit card arrived in the mail on XXXX/XXXX/2015, it would not activate. I called the customer service line, I went to a branch and was informed a replacement card was ordered. I did not authorize a replacement card nor did I ever ask for XXXX. I called into the branch requesting the name of the person who helped me on Saturday and XXXX answered the phone, after describing my situation he informed me he was the one who helped and said we discussed a replacement card and hung up in my face but we did not and the other teller that was standing there should be aware of that as well. I believe XXXX put in the fake request for a debit card as a retaliation of me having an attitude about not being able to cash my check and withdrawing the funds that day. I did not authorize the transaction and it put me in a bind of being able to pay my bills because electronic check is not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
The very first day that I spoke with Wells Fargo, I assured them that my husband was on the title/deed of the house with me equally. I had this done specifically at a re-finance. Wells Fargo assured me over and over that his name was NOT on the deed and that, as we were in the process of divorcing, my husband would buy the house from me at appraised value. After the appraisal, Wells Fargo said that my ex-husband WAS in fact on the deed and that there could be no sale, but instead a re-finance of the home at a lower amount. They had to start all over. It took months to get my ex husband signed on the house two weeks ago. Now I am trying to buy a house in another town. I have been approved for the loan and have been offered no less than XXXX closing dates for the last month and a half. Each time, something comes up as done wrong and it 's consistently blamed on the underwriters team. This process has been more than just problematic, it has been handled ineptly. The lender representative has consistently talked over me, ignored my questions, and asked me to do the running-around and paperwork that he is supposed to be doing. I know this because the institutions that see me there in person keep asking why he does n't just call and get the same information/form/approval straight from them. I 'm worried that this loan will NEVER close. I am already paying utilities and electricity and insurance on a house in which I can not live, because I was supposed to be living there a month ago. I need help. I just this moment got word from the lender that they need a XXXX form. This is critical to a VA loand and I am amazed that they can get to closing day without a XXXX already ( which they already had and lost ). The lender representative is also holding a VA certificate of eligibility at this very moment that the underwriters are saying they do not have. This whole loan reeks of incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-16
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
So this company by the name of DRS, " Direct Recovery Services '' called in regards of a debt I owe from a online payday loan called Cloud Lending. I do n't remember if I did get a loan from them. But they had called saying I owe this amount. I do n't if this debt is true and I never received a letter verifying the debt. This DRS ( Direct Recovery Services ) does n't have a physical address. All they have is a PO box address in XXXX different states. They sent an email for me to sign to authorize to make payment through internet program XXXX. I have n't received a letter from this debt collection for my to verify this amount owe. They claim they do n't have to.

Company response to consumer: Closed
Consumer complaint received 2021-06-27
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OAC # XXXX {$220.00}. 

OAC # XXXX {$530.00} I believe these are medical bills. I sent several disputes to this company and made several other attempts to clear this debt that is in my name. I have and I had medical insurance and I also have Medicare Part A and Part B. This is not my debt. I have been trying to clear this for years which is holding me back and causing me much pain and suffering for years. Please help so I can clear this debt from my name and raise my credit score accordingly. 

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 explanation
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all   XXXX   of the bureaus (  XXXX , equifax, and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i found the website and applied to the site. 
XXXXand the site is no longer available. I received two cashier checks from theclients {$9900.00} and was told to deposit them then withdraw and put toanother account. and i am now been penalized for the checks. the checkswere fraudulent checks ps. XXXX XXXX has a website and he hasindicated that he is victim of identity theft. If he is indeed the perpetrator, Iwill be pressing criminal charges. 
On XXXX XXXX : the branch manager came up to me and said the following. 
XXXX : " the check is on a XXXX day hold, do you know where the check is from because if it s a bad check we would close the account to safe our butts. do you feel anything fishy about it? 
XXXX : '' I 'm a XXXX his from California and works XXXX. i really did n't think anything about it since it was a cashier check. " XXXX : " do you know the name of the bank? " XXXX : " XXXX something and its in California. " XXXX : '' ok ill call the bank. " i was waiting XXXX mins then the teller came back and started to finish my transaction. i asked her it it was ok, she said yes and i asked her if XXXX got in contact with the bank? she said yes. and XXXX never came out to talk me again nor pop up to see if i was being taken care of nor told what the bank said nor if she did get in contacted with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX I have contacted Experian about several fraudulent accounts being reported on my consumer report Experian failed to block the accounts despite my police report and fraud victim identity theft affidavit. A list of the fraudulent account Experian failed to block is mentioned below, 1 ) XXXX Mortgage 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) 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 2021-06-28
Company: WELLS FARGO & COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2016-03-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. 
DELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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