BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was involved in an online scam week and half ago involving XXXX I paid for the dog online using XXXX and a cash app. Didnt realize until after the transaction was made that this was a fraudulent transaction. I tried to resolve with my bank, Wells Fargo and they told me there was nothing that they could do, couldnt even pull up information regarding the transaction so I could make a police report and take legal action. My bank is supposed to protect any fraudulent transactions on my account And at this point there is they have told me theres nothing that they can do. I find this hard to believe. This was money I sent on my account and I am not entitled to any information regarding this? I feel like Im at a loss, and would love any help I could get. I have all the information from the breeder emails, copies of transactions, Or any other information you need.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: MO
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 am submitting this complaint to follow up the response from the Credit Bureaus after the 30 days of investigation. As I reviewed my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : 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 2021-03-10
Company: Shellpoint Partners, LLC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Twice I have made large additional Principal Only payments the Shellpoint Mortgage Servicing, in addition to regular monthly payments, and both times now those payments have been incorrectly applied and/or applied at a much later date than received ( back shows date chased ). I have filed multiple complaints with the company, the first one they corrected, the second one is ongoing and they do not respond other than " we are investigating your complaint '' The supposedly " corrected '' the payment, but applied it nearly a month after receipt, thereby charging me interest fraudulently in at least 2 following payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capital One bank has ignored my Ceast and desist request to stop communicating with me through all mediums which includes mail and stop the illegal reporting of this alleged account on my consumer reports every month. Unless they are communicating about complying with my demands. They have threatened to ruin my reputation many times. This is an alleged account it isnt mine. This is the second time I dealt with a fraudulent account with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: JH Portfolio Debt Equities, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid my XXXX chargecard in person in the amount of {$1500.00} by cashiers check drawn on XXXX which was the payoff amount provided by the XXXX customer service representative to the XXXX representative. While inside the XXXX I asked the representative for a pair of scissors and I immediately cut the XXXX chargecard up. I received a statement in XX/XX/XXXX and then another statement in XX/XX/XXXX with a balance. On XX/XX/XXXX I wrote XXXX and advised them that I had paid my account in full and I was unsure as to why I was receiving statements dated XX/XX/XXXX and then again on XX/XX/XXXX stating that I was past due on my account. On XX/XX/XXXX, I received a letter from Credit Control LLC which stated that my account had been placed with their company for collection. I informed Credit Control LLC that my company was a victim of cyber-intusion in XX/XX/XXXX and that I was provided with a year of credit monitoring. Then I was a victim of bank credit card fraud while banking with XXXX in XX/XX/XXXX/XX/XX/XXXX. When I filed the paperwork with XXXX for reimbursement of the unauthorized transaction, I was advised to call the local police, which I did and made a police report and to also call the FTC to notify them of the incident so that a special alert of instruction would be placed on my credit file. I wrote Credit Control , LLC on XX/XX/XXXX advising them that I was disputing the validity of the balance of {$1700.00} on my XXXX account number. I provided Credit Control LLC with the same information that I had mailed to XXXX. I then received a letter from Credit Control LLC shortly thereafter stating that my account had been discharged. Then in XX/XX/XXXX I began to receive letters again from Credit Control LLC advising me that I was being held responsible for the unpaid balance on the XXXX credit account. 
Upon further review of the letters from Credit Control , LLC, letters dated in XX/XX/XXXX were from the Creditor : XXXX and then the letters that I began receiving in XX/XX/XXXX from Credit Control , LLC are from Creditor XXXX for XXXX. 

It is my contention that I did not make the charges listed on the XXXX account and that I should not be held responsible for them. I also believe that it is possible that from the time period of XX/XX/XXXX up through XX/XX/XXXX, that somehow my account payment was not posted to my account. However without actually having copies of the XXXX account statements from XX/XX/XXXX through XX/XX/XXXX, I can not substantiate my claim.

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 2017-10-16
Company: WELLS FARGO & COMPANY
State: GA
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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX I mailed out a certified letter with a return address to Wells Fargo asking them to Validate my debt. Wells Fargo responded with this letter. See attachment. Their response did not properly verify my debt and I 'm asking for them to remove the late payment from my credit report.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: MA
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:
Date Last Active on XXXX XXXX XXXX XXXX account XXXX is being inconsistent reported on my credit report. 
XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. Experian how can you verify that this account is being reported accurately when the Date Last Active is still and continuing to report inconsistent. This information is coming from the same furnisher and should be the exact same for all three reporting agencies. Delete this account because of inconsistent reporting. Under section 15 USC 1681 S-2 you are prohibited by law the reporting of inconsistent and inaccurate information. This account is clearly being reported inconsistent. Delete account because of inconsistent reporting. Experian states that they cant view any support documentation that I provide. How can Experian conduct a proper investigation if they cant review the supporting documentation for my dispute. I am again attaching proof support documentation directly from the credit report showing the inconsistent reporting for CFPB review for my dispute. Also I am attaching a copy of my dispute letter I certified mailed to Experian. CFPB I ask that you hold Experian accountable for not uphold the law.

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 2021-05-27
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Servicer Columbia State Bank, XXXX, WA XXXX has not paid property taxes. I received a notice from the treasurers office. I've made multiple attempts to get information from Columbia State Bank with no response. I've left multiple messages, and the person answering the customer service line states " we know there's a problem, we've received multiple complaints, we will notify you when we know more or a supervisor will call ''. I've not received any calls or notifications from Columbia Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: MA
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:
Equifax is falsely reporting the late payment history for XXXX account XXXX. False reporting late payment history is a violation of the FCRA. I have requested in my dispute multiple time for Equifax to stop reporting this false and subterfuge entire late credit history because of this is a violation of the Fair credit Reporting Act by Equifax to report false and subterfuge information. 

See attached supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: TX
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:
To Whom it May Concern : I have been trying to get help from XXXX XXXX XXXX and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by XXXX XXXX XXXX. I have a document from XXXX that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I was in an XXXX relationship, I left the property in question and informed the manager of my situation. 2 days after leaving, a man whose wife was having an affair with my ex caused damage to the apartment. I spoke with a lawyer who claimed he was representing the apartment complex. Explained the situation and was told my name would be removed from the issue. Never heard anything again about it. On XX/XX/XXXX I received a notice in the mail from Kings Credit Services. This notice simply stated the amount and " Re : XXXX XXXX  and various others '' along with the debt amount, debt collection agency 's name, address and phone number. There was a important consumer information disclaimer stating that it was an attempt to collect a debt. There was no information on my rights, or how to dispute the debt. When I contacted the agency on XX/XX/XXXX, I was informed that there was a judgement against me. I had no knowledge of this prior, and was never provided paperwork. XXXX XXXX, the representative I spoke with, claims that I was served by proxy with the papers given to someone I was close with. I reached out to this person and they have no recollection of this. Further, the company never mailed out any other documentation to me. Literally the notice I received in the mail on XX/XX/XXXX was the only piece of mail received from the debt collector, and it does not state anything about my rights at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company contacts me up to 5 times a day 5 days a week. They contact my work number even though I have told them I can not receive calls. They contact my husband and my elderly father in law on their personal cell phones. When they contacted my elderly father in law they lied to him and said they were from the hospital. They are harassing 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 2022-08-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX Address - XXXX XXXX XXXX XXXX Pa XXXX Birthdate - XX/XX/XXXX Hello, my name is XXXX XXXX I noticed this problem XXXX, XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Dispute items XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2020-07-28
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use my PNC account for two investment applications - XXXX  and XXXX XXXX. Neither investment application will allow PNC to connect as the funding source so they have shut down the ability to invest funds directly from my bank accounts. XXXX has directed me to file a complaint with the CFBP and they are currently working with PNC to Restore the connection. I am not the only one this is happening to, this is PNC customers as a whole. Thank you for considering my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Gateway Bank and this new mortgage servicer refused to accept a bank check ( literally sent from directly from my bank ) because it was over some arbitrary $ XXXX limit they imposed ( a condition/policy of theirs I never agreed to in my purchase contract ). They can not legally refuse to accept a payment drawn on a XXXX XXXX  ( and again it's a bank check!! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Problem 's WITH CHARGING MY CHECKING ACCOUNT FOR ( OVERDRAFTS Fees ) WHEN ONLINE BANKING SHOWS BALANCE AMOUNTS AND PENDING- WHEREAS PENDING ' ALREADY HAS TAKEN OUT OF ACCOUNT- AND BALANCE AVAILABLE- HERE tcf IS CHARGING OVERDRAFTS WHEN ACCOUNT ONLINE SHOWS TRANSACTIONS AND " RUNNING BALANCE 's '' I WAS CHARGED TWICE IN ONE DAY XX/XX/XXXX OVER DRAFTS OF {$37.00} EACH AND LOOKING BACK XX/XX/XXXX $ XXXX- THIS IS TOTAL {$110.00} IN OVERDRAFTS FEES AND ONLINE BANKING DOES " NOT '' SHOW ( ANY ) NEGATIVE BALANCE. *all PENDING AND POSTED BALANCES DO- NOT ( MATCH ) WITH ONLINE FROM tcf BANKING ( NOTICE ), does not show any negative, does not show when/time/day or order manor of when transactions " actually went thru '' does not SHOW the order of " pending '' when transpired ( thou my account is/was Not Negative- At All ) THE INTENTIONAL 'OVERDRAFTING OF CONSUMERS/ MY- ACCOUNT " IS FRAUDULENT/DECEPTIVE ACTIONS, of FINANCIAL HARM/LOSSES - TO BE CAUSING ME/CONSUMERS TO BE CHARGING OVERDRAFT FEES ON ACCOUNTS " WHEN NO-TRANSACTIONS OF NEGATIVE BALANCE ARE PRESENT. ONE WAS REVERSED -DUE TO LONG TERM 18 YRS RELATIONSHIP '' 4 TIMES CHARGED TOTAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite writing two letters to XXXX XXXX to correct my payment history across my three credit cards, they continue to report no payments for XXXX and XXXX 2015 on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection company has : - Called me at XXXX XXXX  by spoofing my work phone number. When I answered, they threatened that they were at my office to serve me with a subpoena. When I asked where they were, the woman provided an unknown address. I informed her that was the incorrect address. She replied with I am not going to play games with you and hung up. 
- Call me on a Saturday morning at XXXX XXXX, once I heard who it was, I hung up. 
- Called my Mothers number to state that they were trying to deliver something to me. I returned the call, and they stated that they would be waiting at my home with a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
CAPITAL ONE BANK USA N XXXX Balance {$550.00} CAPITAL ONE BANK USA N XXXX Balance {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2007 we file bankruptcy. we reaffirmed on our home loan threw XXXX are attorney had are APR Modified under reaffirmation to 7 % that XXXX said was a fixed rate. If we paid on time every month it would drop 1/4 % to a cap of 5.5 %. Are loan was at the 5.5 %. our payments were {$560.00} a month as of XX/XX/XXXX. At the end of XX/XX/XXXX XXXX sold our loan to a company called Rushmore we received a bill end of XX/XX/XXXX that said if we paid before a certain date to pay beneficial then every payment there after was to be made to Rushmore. It was stated that everything would stay the same. we paid XX/XX/XXXX and never received a bill for XX/XX/XXXX. I called Rushmore and they stated that they did not have to send us a bill because we are still in bankruptcy. They told me our payment was now going to be {$950.00} a month and our APR is at 9.48 % They stated to me that they can do what they want with our loan because they now own it. I contacted XXXX at XXXX I was told that nothing should have changed. Rushmore will not provide us with any documentation of why they think they can go against our bankruptcy agreement.

Company response to consumer: Closed with explanation