BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I OBTAINED A 30 YR. FIXED MORTGAGE LAST XX/XX/XXXX. THEY INSISTED ON COMBINING MY TAXES AND INSUR. WITH MY MORTGAGE PAYMENT. I HIRED A TITLE COMPANY & THIS COMPANY RESEARCHED & OBTAINED THE CORRECT TAX FIGURES & SUBMITTED THAT INFORMATION TO WELLS FARGO. I HAVE PAID ALL OF MY MORTGAGE PAYMENTS ON TIME & PRESUMED THAT ALL WAS WELL. ON XX/XX/XXXX I RECEIVED A NOTICE FROM WELLS FARGO THAT MY ESCROW ACCOUNT HAS A SHORTAGE OF {$640.00} & THEY ARE INCREASING MY PAYMENT FROM {$480.00} TO {$560.00}!!! I WAS SHOCKED & BEGAN WONDERING " HOW COULD THIS HAVE HAPPENED? ". I HAVE SPENT COUNTLESS HOURS ON THE PHONE WITH WELLS FARGO, THE TAX OFFICE OF XXXX COUNTY, PA. & THE TITLE COMPANY & HAVE SPOKEN TO LITERALLY DOZENS OF PEOPLE. I HAVE BEEN LIED TO SEVERAL TIMES, BEEN GIVEN FALSE INFORMATION, AND MANY CONFLICTING STORES FROM DIFFERENT PEOPLE. HERE IS WHAT I HAVE DISCOVERED AS BEING WHAT ACTUALLY TOOK PLACE. ON XX/XX/XXXX XXXX XXXX XXXX SENT A TAX CERTIFICATION TO WELLS FARGO INFORMING THEM THAT THE SCHOOL DISTRICT TAX AMOUNT FOR THIS PROPERTY IS {$1300.00}. THEY ALSO SENT THE OTHER TAXES & THE AMOUNT OF THE MORTGAGE INSURANCE. 
AFTER I RECEIVED THE PAST DUE NOTICE & BEGAN MY INVESTIGATION I HAVE DETERMINED THAT WHEN WELLS FARGO CALCULATED MY ESCROW AMOUNT, THEY ENTERED AN AMOUNT OF XXXX. AFTER MANY DISCUSSIONS WITH MANY PEOPLE, THE ONLY STORY THAT I CAN GET FROM THEM IS THAT PERHAPS WELLS FARGO THOUGHT THAT MAYBE ... POSSIBLY ... MIGHT BE A CHANCE OF ... ... ME BEING ENTITLED TO SOME DISCOUNTS ON MY TAXES & I GUESS THAT IS WHY THEY MADE UP THAT AMOUNT. FOR WHATEVER REASON THEY ENTERED THIS AMOUNT, THAT IS OVER {$300.00} SHORT, THEY HAVE MADE MY ESCROW ACCOUNT FALL INTO DEFAULT & SHORT OF PAYING WHAT IS REALLY DUE. THEY MADE UP THIS AMOUNT EVEN THOUGH THEY WERE GIVEN THE CORRECT AMT. I WANT THEM TO CLOSE MY ESCROW ACCT. & LET ME HANDLE IT MYSELF AND THEY ARE REFUSING TO DO THAT. SINCE THIS WAS A MISTAKE THAT THEY MADE, & I AM NOW SUFFERING, I WANT THEM TO ALSO ABSORB THIS SHORTAGE AND CLOSE MY ESCROW. THEY HAVE MISMANAGED THIS RESPONSIBILITY AND CAUSED ME HARM IN THE PROCESS. AN EMPLOYEE PROMISED ME 3 TIMES THAT IF I WOULD PAY A PORTION OF THE PAST DUE AMT. HE WOULD CLOSE MY ESCROW. I PAID IT THEN HE SAID HE COULD NOT DO IT!!!!!!!! NOW THEY ARE TELLING ME I HAVE TO WAIT ANOTHER YEAR. I AM SURE I WILL BE MET WITH THE SAME XXXX  IN A YEAR. THEY CAN MAKE AN EXCEPTION TO CLOSE MY ACCT. THERE ARE MANY SIMILAR COMPLAINTS PUBLISHED WHEN YOU SEARCH FOR " WELLS FARGO ESCROW SHORTAGE ''

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 2018-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Today I got a email from XXXX. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Theses names are the known liars that I have spoken with at Bank of America ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( home retention ). I was told that my permanent paperwork was going to be mailed on XX/XX/XXXX then delayed until XX/XX/XXXX ... Both dates have come & gone and no paperwork. 

Bank of America is XXXX XXXX me without the grease!

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 2017-04-26
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a gym membership with my local  XXXX   XXXX . The contract I signed had a military clause. On  XXXX   XXXX    XXXX  , I provided them with a copy of my military orders. I received phone calls from  XXXX   XXXX , stating that they had not received my orders. I asked  XXXX   XXXX  for assistance in correction this issue, however they explained they could not access my files any longer and all questions should be referred   to Aldous and Associates.
Aldous and Associates refuses to answer my questions.
When I initially received a call from the debt collection agency, Aldous and Associates, the person I spoke to on the phone notified me that I could mail in my military orders. I called a second time a  nd asked  XXXX   XXXX  from  Aldous and Associates how I could dispute my debt. He continually interrupt me and told me to contact a lawyer. He stated that he could not give me any advice. I explained that I 'd spoken to another person within their office, he interrupted me again and told me I could n't have spoken to anybody who is " higher up '' than he is and if I wanted resolution I needed to find a lawyer. I called to change my automatic payment date and responded to an email with a request for a new reciept. He refused and replied " this is a none reply email '' I had to call his office and verbally request a new reciept be sent.       XXXX   XXXX  went out of his way to talk down to me and displayed gross disrespect and lack of professionalism. All I want is the opportunity to clarify this issue.     I specifically asked  XXXX   XXXX  if I could dispute my debt and he refused to answer me. I now know this is a violatio n of U.S. Code 15 after seeking le gal 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 2022-08-03
Company: Foris DAX, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On or about XX/XX/2022 to XX/XX/2022 Crypto.com detected suspicious transactions to my account and froze/suspended/locked my account. As it turns out I was the victim of a online hack and scam. Please see CFPB complaint # XXXX. After working with my financial institution and XXXX it was determined that all transactions on XXXX was unauthorized. However the funds was lost. My bank had stopped 3 of the transactions made to Crypto.Com. They allowed a 4th transaction to proceed before doing their investigation and later reversed this transaction. Upon this action by my bank Crypto.Com became irrate and demanded that my bank produced a letter demanding that they close the investigation. Which my bank did provide. Then Crypto.Com demanded that my bank produce a letter stating that the investigation had been cancelled and no further action would be taken. Crypto.Com has refused to unlock or unsuspend my account since XX/XX/XXXX until they receive the letter. My bank has told me over and over that the letter issued is their only requied response. Crypto.Com is not happy with this response and continue to hold my funds and my account hostage knowing very well this investigation by my bank is closed. Crypto.Com does not make available the transcript of our back and forth communication by locking the support screen from screenshot. It is my complete feeling that Crypto.Com is seeking to punish me for having the hacked unauthorized transactions stopped and reversed. I can not provide any documents of the communication because of Crypto.Com policy on screenshot. However I have attached an email of our earlier conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: M&T BANK CORPORATION
State: PA
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:
credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. 31 usc 3123 payments of obligations and interest on the public debt

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 2022-09-30
Company: EQUIFAX, INC.
State: PA
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:
I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this matter immediately. 
XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: NV
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 a fraudulent account listed on my credit file that needs to be block or removed based on the FCRA Acc # XXXX Opened XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX, Citibank made an offer and continues to solicit me for opening a savings account and a checking account. These offers included rewards for balance maintenance. They know me as I have had their credit cards- one for over 33 years and with which I typically spend {$100000.00} per month. I applied for the checking and savings accounts and was approved - the terms said I had 30 days to fund the accounts. I had to try several times to open the accounts as the site was not working properly. They sent the paperwork in the mail but then sent me an email that said : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. If you'd like to discuss this matter further, please call us at XXXX, Option XXXX, Monday - Friday, XXXX am - XXXXXXXX XXXX and Saturday - Sunday, XXXX am - XXXXXXXX XXXX, '' I called the number and was told that they could not give me any details but a letter would be sent explaining everything. ( the email said to call this number to discuss the matter further ). I letter did come with no explanation of why the accounts were closed. I called again and was told that they could not tell me why the accounts were closed. I called a contact at the Citibank Executive Response Team at ( XXXX at XXXX ). She said she only deals with credit cards but would have her counterpart in the " deposits '' area call me. No one ever did. Citibank continues to solicit me with these account offers with only adds insult to injury. I wonder if there is something in my demographics ( age, location, etc. ) that has them blocking me - a 33 year customer.

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 2022-10-24
Company: PROPEL FINANCIAL SERVICES LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on the XXXX of XXXX my wallet was stolen from a gym locker at the XXXX XXXX in XXXX, XXXX. In my wallet was my providers debit XXXX  that i recieve my XXXX  XXXX  on.. i notified staff immediatly at the gym as well as the provider debit card people, seeing it was after hours and there is no 24  hr hotline i had to wait till the next day to report it which i did, but i was too late XXXX unauthorized transactions were made with a total of almost XXXX XXXX dollars see attachment.. seeing these transactions were unauthorized iam entitled to credit according to the zero liability rule that provider bank uses. the complaint number for these charges is XXXX. provider bank did not even investigate this matter and were quick to make a decision that makes no sense to me and is a insult.. they concluded that i made these transactions and that i must have gave out my pin, these accusations are totally false and i requested a explanation on how they came about this decision.. i have not recieved any explanation and i want this reviewed by a neutral person.. ive put in a police report and iv filed a report with the XXXX, i dont know what else i can do.. they are totally wrong on there determination it doesnt make sense. iam getting nowhere with these people.. they are a fraud and i want a neutral review and credit thats due to me. i originally filed a complaint but was told to file another because your people cant locate the bank the complaint number is XXXX please regard the notes cand attachments i applied to that complaint they are correct so please use them for reference. the zero liabilty rule applies to my situation. providercard is done by propel finance which is a part of XXXX XXXX. all my files were downloaded to my original complaint XXXX please refer to them

Company response to consumer: Untimely response
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-08-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In the past couple months Ive called Naivent customer service in several attempts to be placed on hold at one time over 1 hour at a time to make reasonable payment options for my student loans. I feel like Navient systematically and illegally failed me at every state of repayment. I believe that Navient improperly directed me into forbearance causing me to acquire more debt. I was offered first a forbearance and I needed to pay a curtain amount which I paid, than later received a letter in the mail that stated that my loan was now delinquent. When i called i was told that the information that the previous associate provided was incorrect and they would not waive any of the late fees that I was assessed due the the negligence on their part. I was offered the income- driven repayment plan but was unable to make the payments provided. I also have previous late payments on my credit for a period of time I believe my loans to defer. I have reached out several times to attempt to have these issues rectified and the have gone unresolved. I am a single mother in a one income house hold. Im seriously wanting to purchase a home in the future and this is preventing me from doing so, I am reaching out begging for some sort of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
This Credit Company has repeatedly submitted incorrect information on my XXXX report as well as my XXXX report claiming I opened an account with them, I have no knowledge about this account as I disputed this error many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Around the middle of XX/XX/XXXX I received a U.S.Bank Reliacard Visa Debit card in the mail. I did not sign up or request this card, nor any other cards. I did not activate this card because I was not sure what it was. After doing research, this particular U.S. Bank Reliacard is part of a huge unemployment scam resulting from the Corona Virus Pandemic. I have contacted several government agengies and submitted complaints. I have spent numerous hours in research, calls, inquiries, emails and appearances regarding this U.S. Bank Reliacard. I have also had to put a freeze and fraud alerts on my credit reports. Someone has tried to use my identity to fraud the government for unemployment benefits resulting from Covid. At the beginning of XXXX I received a 1099-G for Government payments from Ohio Department of Job and Family Services with my information showing that I had received unemployment compensation in the amount of {$8400.00} that needs to be filed with my XXXX tax return. At no time have I EVER SIGNED UP FOR UNEMPLOYMENT - NOR HAVE I EVER RECEIVED UNEMPLOYMENT FUNDS OR BENEFITS.

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 2018-11-30
Company: Cascade Collections, Inc.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation