BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: Trident Asset Management, L.L.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputed the account with the collection agency and the credit bureau as fraudulent. Disputed XX/XX/2021 I asked for method of verification, no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-02-04
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Convenience checks

Complaint:
I made a minimum payment to a credit card as well as a {$3000.00} payment to pay off a promotional balance of XXXX that was expiring on XXXX. The credit card company informed me the prior month that I had a promotion expiring and that I needed to pay it off in full to avoid interest charges. When I attempted to do that it was not applied to the balance expiring and when I called to ask them to change it they said that I had agreed to this in the terms when I accepted the promotional rate. The {$3000.00} payment was applied to a promotional balance expiring on XXXX. In addition none of my payment was applied to a purchase balance of XXXX that is accruing a minimum interest charge of {$2.00} every month.

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 2017-01-09
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank XXXX, CA branch manager has frozen my business & personal bank accounts due to a personal vendetta against me. My accounts have been frozen for three months. I have reached out to the bank but received no response as to why my account was frozen or when my funds will be released.

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 2015-05-20
Company: Residential Credit Solutions, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX is reporting a mortgage with Residential Credit Solutions being delinquent 120 days as of XX/XX/XXXX. This loan was paid off in full in XX/XX/XXXX. RCS was responding to a dispute and sent incorrect info. I 'm in the middle of applying for a new mortgage and this is a big concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX aka XXXX XXXX XXXXXXXX are reporting to both my XXXX and Transunion credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted XXXX to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.

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 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2015-07-20
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We our a military family who is executing XXXX XXXX. We opted to short sale our home due to the market in our area. We put our home on the market in XXXX with an offer in XXXX. The bank dragged their feet, repeatedly told us they did n't receive paperwork when I would receive a confirmation email, which I still have. Also, our relationship managers were unavailable, had full voicemails, and would n't return calls or emails. We are now on our XXXX relationship manager. Now, just recently they closed out our short sale due to improper paperwork, which is false. After, speaking with the default department we had to resubmit everything from day XXXX. Now they just reopened our short sale and our time is running out due to the move, XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I called the ok.tax.gov and wanted to ask them to send {$13.00} by routing & account number. But no one will Help me. I called and spoke to 3 different people and waited about 1 hour and 20 minutes. Then the last person said she was getting the supv. but instead put me through to a message machine so I left a my name & number and asked her to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not owe this company the amount stated, requested validation and evidence and nothing has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Late fee

Complaint:
This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/16 2. I made a payment of {$32.00} on XXXX/XXXX/16 which they did n't apply to my card 3. I made a payment of {$610.00} on XXXX/XXXX/16 which they did n't apply to my card 4. I made a payment of {$650.00} on XXXX/XXXX/16 which they did n't apply to my card 5. I made a payment of {$1000.00} on XXXX/XXXX/16 which they did n't apply to my card 6. I was then charged a {$39.00} late payment fee on that {$25.00} minimum payment This makes no sense to me no matter how they try to explain it. Basically my payments were too early or too late even though they were all paid in the same month. I paid {$2300.00} towards my credit card balance in the month of XXXX when I only had a {$25.00} minimum payment due, but somehow they were able to charge me a {$39.00} late fee.

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 2016-07-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to do a short sale for nearly 2 years and Wells Fargo keeps making us start again and send the same paperwork over and over again! They have received XXXX buyers to which they refuse the offer each time setting an BPO saying the current has expired. 
We have reached out to the executive office and they keep appointing ineffective staff that do not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
Per attachment # XXXX, Wells Fargo bank offered me a balance transfer of {$11000.00} with 0 % APR for 15 months and a transfer fee of 4 % ( = {$460.00} ). However, nowhere on attachment # XXXX, which is the offer document, does it inform me that the first payment would include the {$460.00}. Actual first payment is {$580.00}, which is a budget breaker. Of the several credit cards that I have accepted a balance transfer offer from, Wells Fargo is the only XXXX, who includes the balance transfer fee in with the first payment, which again is {$580.00} ( = {$460.00} + {$120.00} ). Attachment # XXXX is my monthly statement showing the {$580.00}. The inclusion of the {$460.00} means that is {$460.00} not available to pay on my higher rate accounts. Thus, the {$460.00} is considered a loss, if paid on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account and inquiries stated in this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've attempted to reach out to a debt collector numerous times to settle a debt in the amount of {$810.00} Each call to them I was that they couldn't find my account or that the account was no longer with them. I received a credit report and as informed that i had a outstanding balance with them still. I reached out to them on XX/XX/21 and spoke with a representative and was informed that it was charged off. I asked if it could be paid in full or set up on a payment plan in order to have it removed from my credit and was informed that I couldn't. I asked to speak with a supervisor and informed that once wasn't available. The representative asked for my contact information and advised that a supervisor would contact me within 24 hours, but still haven't received a call. If I'm not able to resole the issue with them, I will be forced to take further actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
It doesn't matter that I entered into an agreement at the time. I was working full time. XXXX XXXX is closed cause of Covid making it impossible to get a job. You need to help your customers. It is not my fault I can not find a job because of the circumstances in 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 2016-06-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past year, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

They first denied me claiming I was missing document. Then they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2015, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to the fact I am of XXXX XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information and generally making it very clear that they had no interest in helping me for 2 years now.

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 2016-08-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Two years ago Wells Fargo provided me with mortgage assistance, but then took it away and now I am facing being kicked out of the home I have lived in since 1996. Money was tight when I retired and my mortgage payment was more than the income I had coming in at the time. I attempted to keep up with the mortgage payment and ended up spending all of my life 's savings to stay current on my mortgage. When there was no more money left, I contacted Wells Fargo and I got a lower payment of about {$500.00} per month that I was very happy with. However, when I received the paperwork from Wells Fargo, the payment had jumped up to over {$1000.00}. I was shocked, but tried to make it work. Although it was a struggle, I made the payments for three months, but then Wells Fargo told me that they had to redo the agreement. They then lost my paperwork and the whole issue became very messy. I made three payments to them, but Wells Fargo has dropped the ball and now I am facing a foreclosure sale on my property. I need Wells Fargo to get this straight so that I can spend the rest of my life in my home! XXXX has insured this loan, so I do n't think that Wells Fargo cares and will just sweep me under a giant rug and be done with me.

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 2015-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After spending almost a year in an attempt to request short sale of my only rental property from WF Bank, I gave up and requested a Deed In Lieu of Foreclosure. WF finally approved the DIL after 8 frustrating months. In their approval paperwork, they stated that the property needed to be vacated by XXXX XXXX, 2015. I received this paperwork on XXXX XXXX, 2015. Since this is rental property, I am required under law to give my tenants 30 days to vacate. This is compounded by the fact that my tenants are XXXX and XXXX. XXXX XXXX was a XXXX, so I could not serve my tenants with a vacate notice until the following XXXX, XXXX XXXX, as I live out of state. I served my tenants with a notice to vacate by XXXX XXXX, and advised WF Bank as well as their law firm of the lawful date change. Today, XXXX XXXX, I was advised by WF via telephone that my DIL dispo was changed from approved to denied, because of the vacate date change. They expect me to break the law and force XXXX XXXX people into the street? I am not callous and I wo n't break the law. I do n't understand WF 's tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 reached out to XXXX  and XXXX  several times via certified mail, with proof, that the Credit Acceptance account on my credit report was reporting inaccurate information ( last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on XXXX  than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. Credit Acceptance refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a mortgage with Wells Fargo. I refinanced with them and they misled me about how much the closing costs were going to be and they took money from the original escrow account and no one can explain to me where that money went. They also never calculated in the new escrow into the closing costs to make it seem the closing costs were not as much as it seemed.

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