BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a letter with a warrant out for my arrest. I called them to see why the 1st lawyer hung up on me and said the warrant will stay if I dont pay them. 2nd lawyer ask a lot of questions about my kids and other things that didnt make sense I ask him what does that have to do with the letter of the warrant he told me in order to talk about the warrant I must answer all the question. Threaten to hang up the phone if I dont answer all the question and all I was calling to see why is there a warrant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: FL
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:
CFPB + Equifax + XXXX XXXX, To Whom it May Concern : On my XX/XX/XXXX Equifax credit report it says I have late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the below XXXX  XXXX account : - XXXX  XXXX XXXX XXXX XXXX  XXXX Enclosed with this complaint/dispute is a letter from XXXX  XXXX dated XX/XX/XXXX that clearly says they have submitted a request with all 3 CRA 's , and Equifax, to remove the delinquencies from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The letter clearly states my account was a secured card, was closed XX/XX/XXXX, with a {$0.00} balance owed. 

Therefore, there should not be showing late payments as well for XX/XX/XXXX and XX/XX/XXXX. 

Enclosed with this complaint are : - my drivers license - my address- my w2 for social security number proof - written complaint - letter from XXXX XXXX - screen shots of my Equifax report where these are showing Please have this handled, as the letter from XXXX XXXX says immediately, as this false information is damaging my credit and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: AFNI INC.
State: IA
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:
I was a customer of XXXX and when I canceled I completed my agreement by returning all equipment to XXXX as agreed. I have now found that I have a small collection account on my credit report that the folks at AFNI have not been able to provide me with debt verification on. I have spoken to them, they are cordial but unwilling to verify and allow me to correct by paying and removing the collection or simply removing the account as it is not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have information missing from my credit report : - 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 2020-09-29
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I was a victim of fraud on My American Express Card ending in XXXX. American Express confirmed that I would not be responsible for the fraudulent activity in writing. American Express proceeded to place a collection on my credit report for the outstanding fraudulent charges. I can provide verification in writing from American Express that I would not be responsible for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in  XXXX  of    2017  I complained that Ditech stole money from me and tried to pass it off as an HOA fee. Case number :  XXXX . The money was only returned when they were forced to respond to my complaint. So thank you for that.     Since then I have received no responses to any questions I have asked them. They bumped my escrow by {$90.00} per month. I still have not been late with any payment however they are trying to justify this boost based on  2017  taxes. I have qualified for t he Homestead Exemption  in  XXXX   XXXX  GA for  2017  so my taxes should go down. I actually received an estimate fr om the county  in  XXXX  and it went down a lot. They wont respond to any of the questions regarding the surplus money. I get a generic email and letter that says we are coming up with a solution.     I refuse to call them becau se Ditech call center staff have set responses. The first response is to blame the homeowner for any and all problems. I  'm tired of the games and the backlash

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After refinancing my XXXX bedroom condo with US Bank, they sent me a request for proof of adequate insurance coverage. After sending my insurance documents ( via fax ), US Bank informed me my insurance coverage was inadequate and they were authorized to provide insurance for me. I told them I would contact my insurance carrier ( XXXX ) and increase my coverage to satisfy their demands. A XXXX way conversation was initiated and XXXX increased my coverage to satisfy their demands. Once all parties were satisfied with the increased coverage amount, I continued to make my monthly condo insurance payments to XXXX, however I recently recieved an itemized escrow statement from US Bank witch included an insurance payment for the exact amount I am presently paying XXXX bi-annually. I tried to explain to US Bank representatives that it was unnecessary for them to charge me for home-owners insurance since I pay for said insurance through XXXX and please refund my escrow payment. I was then told I signed specific documents during closing that allows them ( US Bank ) to provide me with adequate coverage and it was within their rights to do so. I tried to explain to them I satisfied the coverage through a third party insurer ( XXXX ). After being transferred to several different representative, I finally gave up my fight. Now I feel ; though I 'm not sure, I 'm paying twice for home-owners insurance. Once through my carrier ( XXXX ) and twice through ( US Bank ) escrow. Can you see my dilemma?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Discover has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on the opening of an account, a card sent, and sent statements. and in their words " considered '' this account valid. 

another certified letter was sent ( and received by Discover ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract and the " other identifying information '' which they stated on their last validation letter. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern Ive recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. 
Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately. 

In addition I demand to have a copy of my updated consumer report once the following changes have been made. 

Including but not limited to One name SXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Remove All Derogatory Remarks Remove All Hard Inquiries Remove All Late Payments Remove All Closed Accounts

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 2020-09-29
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX  where they stated they couldn't find remarks I was looking at on my report. You are thieves!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Honestly, I really do n't know what it is that you guys do over there. I am absolutely dumfounded that you closed investigations XXXX, XXXX, & XXXX right after I submitted more information which showed yet more concrete and undeniable evidence that Wells Fargo had made false statements about this loan. Not even ONE DAY after I submitted new documentation, you closed all three!!! Do you just take for granted whatever a bank tells you w/o doing any due diligence or even bothering to pick up a pocket calculator and doing a simple exercise in math which would have taken you two minutes to prove that I was right? You have wasted my time and yours because I actually thought that as the Consumer Fraud Protection Bureau, that 's what you do. I saw no analysis, no investigation, nothing of any sort that leads me to believe you actually accomplished any thorough review of the matter. You were given a trove of documentation that clearly laid out a pattern of errors and dishonesty on the part of the bank, yet you just accept whatever the bank said as gospel and nothing I said carried any value. I will be reporting this to my Congressmen and Senators ; your organization is patently and absolutely useless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I went to US Bank, XXXX Branch to cash a check that was drawn on that bank. The teller wrote my personal information on the back of the check as identification. I told her that she could not do this as the person who has the checking account will have my driver 's license number and could commit fraud with that information. I was told by the teller that this is the bank 's procedure to cash checks. I then have gone to XXXX other banks in town and they do not put personal information on the check being cashed.

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 2015-09-21
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage through US BANK and they have been working on it for almost 45 days now. I get a phone call yesterday stating we ca n't close on time because they do n't have everything they need done. The bank would call us and give us less than 24 hours to get them what they need instead of calling ahead and letting us know what they need to get the loan to close. Then they say they wo n't be able to close for an additional 2 weeks. They push all the blame on me and my agent saying that if we would have gotten everything to them in time they would have been able to close the loan. However they had everything except the final inspection done. So I pulled my loan from them another lender looked at it and said the reason they ca n't close is the paper work us bank had set up was wrong and would not be a qualifying loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was talking to a man online. His name was XXXX XXXX out of AZ. He was o we seas and needed help. He offered to pay off my card if I would take a cash advance. He made the payment. It took time for it to clear. When it did I called XXXX different people at the card company telling them I felt this was a fraud payment. Telling them that I did not think it was from his account. Both times I was told that it was a secure payment and everything was fine. The second person allowed me to take the cash advance. 20 days later the payment was pulled back as a fraud payment. I have been to other government agencies turning him in. His phone and XXXX have shut him down for fraud. Because of the workers of XXXX I am now in debt this money. This card needs to be held accountable for not providing full details that the payment could be pulled back especially after I told them I felt this was a fraudulent pay off. I have a list of all dates, card numbers, where I had to send the moneyeverything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Ocwen Financial Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My court Records. I understand that " benefit '' came with the program I'm paying for BUT publishing my 18 YEAR OLD PAST XXXX XXXX IS NOT A " BENEFIT '' IT'S A HINDRANCE TO MY FUTURE. 
I paid an Attorney to Expunge my record from the public. These should not be for your viewing. 
This is not a benefit as I now own a XXXX XXXX XXXX which XXXX our XXXX youth. I work with XXXX XXXXXXXX to provide services to these young ladies. This is not a benefit. 
Just like my creditors on this report I need a process which will allow me to remove these negative accounts of my past from my future financial report. 
I should not have to cancel the membership and lose out on the " BENEFITS '' of the program just to have the negative past criminal background present on this report. 
I need to them to be removed immediately in order to secure my future 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 2016-09-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
" Teen Account '' with my daughter, I was co-signer, to help her learn banking. Suddenly check after check bounced. Discovered Wells Fargo changed her account to an " adult '' account not realizing she had direct deposit to teen acct. for paychecks from a XXXX company. Deposits continued to original teen account, while all spending went through " new account '' causing approx {$400.00} in OD charges, which WF would only write off XXXX. Financially difficult for me to pay OD charges off, did and closed account. I was LIVID. Occured XX/XX/XXXX, XX/XX/XXXX. Just called WF CS and giving my ( adult/Mom ) SS # they do n't even show my minor daughter being ever on a shared account with my SS #! With todays news I called WF CS # and was told by rep that she is in a call center and ca n't help me, I need to visit a WF banker personally. My daughter now lives in XXXX and I 'm in XXXX. All I want is XXXX % of the OD charges I had to pay refunded. WF moved her into another account on their whimsy and caused me to spend hundreds of dollars in OD funds. As of XXXX/XXXX/XXXX b/c I do n't have account paperwork there is nothing WF can do today. I have moved across country several times and do NOT have paperwork, b/c banking is now done online, do not accept their " excuse '' that I do n't have paperwork.

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 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i have a couple bank of America accounts attached to my XXXX XXXX profile i would like to have removed because they are not mines. Wrong ss number as well wrong address i never lived at. I will attach my ss number with my driver license so that its proof wrong person and how could someone attach a wrong ss number account to my profile? the accounts is listed below Account : XXXX, XXXX I tried to open account with Bank Of America and was told i had already had account so i order my XXXX XXXX  and XXXX to see where the inaccurate was. Please from from all Platforms that you report to Please.

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