BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: U.S. BANCORP
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I have a variety of issues with US Bank and my Visa card. Main issue being their continuing to have a " pending charge '' on my card for days after the " actual charge '' posted, thereby using twice the amount of my available credit. Second complaint is their customer service staff telling me that no supervisor was available and it would take " several days '' for a supervisor to call me back. I mentioned that I felt like the hold on the card for pending charges already posted as actual charges was not fair and was something that the CFPB would be interested in. They seemed to have no knowledge of the CFPB did not escalate the call or add the call to any complaint log for review. 
A credit card issuer should be obligated to immediately delete the pending charge once the actual charge is posted. US Bank tells me they can not do that, that only the merchant can do that. That is fundamentally wrong and a fundamentally flawed system. 
I called the US Bank corporate office and they told me I could talk to their " advocacy department '' and transferred me, all I got was voice mail. I left a message, I do not expect to hear back from them. I called back to the US Bank corporate office and was told there is no one else that I can talk to other than the " advocacy department '' that I could not speak to anyone in management to voice my concerns.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: MI
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:
I submitted a dispute with Experian first week in XXXX because they kept showing the wrong information about a credit card I have paid off to XXXX balance after a couple of tries they removed my credit card account off of my credit report and it made my credit score go down I just wanted them to report the balance as XXXX I did not want them to remove my credit account please help me resolve this matter any way you can 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 2020-04-13
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed complaint # XXXX-XXXX  with " XXXX XXXX XXXX  '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX responded with an offer to make catchup payments for my mortgage which was what I asked for! This is good, except before I could make any payments they sold the mortgage to : " Fay Servicing LLC '' XXXX XXXX XXXX XXXX XXXX, TX XXXX I was sent a payment coupon stating {$47000.00} would bring my mortgage up to date. 
the payment would have to be received prior to XX/XX/2020 to not incur more fees! 
I sent My Check # XXXX for {$47000.00} dated XXXX along with their coupon. I have been calling Fay Servicing about the check due to it not having been cashed. I have called several times but today XX/XX/2020 I was told they received the check but would be sending it back! Why? I was told they do not have to honor the repayment schedule. 

Check was mailed to : Fay Servicing , LLC Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX I am now back to square one. This is a total scam! What can I do? 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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: EQUIFAX, INC.
State: FL
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:
At this time Equifax has remove " XXXX XXXX XXXX XXXX from my report. This confirms all consumer violations at hand and has incurred actual damages and injury from violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: QUALITY ACCEPTANCE LLC
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 Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my name is XXXX XXXX XXXX : NOT XXXX RECEIVED LETTER FROM YOU XX/XX/XXXX WHATIS ITGOING TO TAKE YOU PEOPLE TO UNSTAND I DO NOT OWE XX/XX/XXXX PAYMENT IF SOME ONE WOULD LOOK AT THE NOTE THEIR IS ONE SAID I HAD PAYED A EXTRA PAYMENT NONE DUE IN XXXX. I SPOKE TO A LADY WHO CONFIRMED IT WAS NOT DUE, JUST GOT ANOTHER LETTER TODAY RE : HAMP-HOME INSURANCE I RECEIVED A LETTER FROM BAYVIEW SAYING INSURANCE GOING UP AND IF I WANT TO DISPUT IT SEND A LETTER I DID ON XX/XX/XXXX-HAS MY ACCOUNT # -STICKER WITH MY NAME ON IT-WHY CA N'T YOUR DPT DO YOUR JOB AND TAKE CARE OF THE PEOPLE WHO PAY THE PAYMENTS : ALSO THE BAYVIEW CALLS ME ON XX/XX/XXXX SAYING NEVER RECEIVED SEVERAL PAYMENT NOT TRUE I HAVE PROVIT MONEY ORDER THEY WERE CASHED ASK THEM TO CHECK IT OUT ALSO WHY WOULD I DAMAGE THE MODIFACTION THAT TOOK 2YRS TO GET EVERY SENCE XXXX TOOK OVER IT TAKE 4DYS TO GET TO THEIR BANK WHICH I HAVE PROVE ALSO BUT THEY SAY AFTER IT GET TO A BANK THEN THEY WAIT ON THEIR CHECK WHICH MAKES NO SENCE WHEN I SEND MONEY TO FLORIDA IT ONLY TOOK 3DYS NO PROLEMS DO YOU AND BAYVIEW LIKE SEEING PEOPLE LIKE ME WHO WORKS HARD TO KEEP BILLS ON TRACK AND NEVER LATE DONOT CARE WHAT THEY SAY DO YOUR JOB AND MAKE THEM FIX IT I HOPE SOME DAY THE GOVEMENT FINES YOUR COMPANY FOR NOT TAKEING CARE OF THE PEOPLE YOU COMPLAINTING ABOUT.BAYVIEW LOAN IS-XXXX-IF I DO NOT GET ANY WERE WITH YOUR COMPANY I WILL TRY HIGHER UP WITH XXXX XXXX OFFICE -OR ON TV/RADIO I AM NOT JOKING.PLEASE HELP ALL I AM ASKING THAT YOU DO YOUR JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: EQUIFAX, INC.
State: KY
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 ,  2017  at  XXXX , central time, I sent a multiple inquiry dispute letter to Equif ax to  dispute  XXXX  hard inquiries that was being report. Equifax received the letter  XXXX   XXXX ,    2017  and complete the process on  XXXX   XXXX ,  2017 ! How can Equifax complete a thorough investigation by contacting all  XXXX  companies, getting their paperwork WITH MY signature, because I have n't applied for credit, employment, or insurance and make a decision  in ONE DAY? I received the same response for all  XXXX  hard inquires, which was, " inquiries are a factual record of files access.   If you believe it 's unauthorized contact the creditor. '' According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do n't investigate and respond the credit reporting agency,  which is Equifax, must remove the disputed information from it 's files. The fact that Equifax came to a conclusion a day later, one can only assume that their was no investigation to any of these  XXXX  hard inquires. I will upload supporting documents below showing the date when the dispute was received and the letter from Equifax with the date the lack of investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with Wells Fargo to see what rates they had for mortgages. I was working with XXXX XXXX and once I found out that they could n't go any lower than XXXX % down, I told him to stop the process. I thought it was stopped but then I got a call from XXXX XXXX asking if we wanted to continue with the loan. I texted her that I had told XXXX that we were n't interested any longer a while ago. Then I received a letter in the mail that they had carefully reviewed our application and that they were sorry they were n't able to approve our request for home financing. I was upset because we told them to stop the process multiple times. Even though the letter indicates it would n't affect our credit I want this rectified.

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 2021-11-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
American Express Serve card closed account XXXX XX/XX/20 Ive tried numerous of time from that to this date to receive my balance in check by mail due to them closing account and they refuse to ongoing problem for at least a year now Ive sent verified information and still nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed banks that my automatic payment is deducted from back in XX/XX/XXXX. Select services acknowledged the change by letter. In XX/XX/XXXX they tried to pull payment from old bank. On XX/XX/XXXX they called to tell me I never made pmt. I explained that they probably did not pull pmt from correct bank and asked that they confirm new bank account and they record my payment as made on XX/XX/XXXX. They left the record of pmt as XX/XX/XXXX and reported to credit Bureau. My credit dropped due to additional funds added to my mortgage. Again in XX/XX/XXXX I received call on XX/XX/XXXX that I have not paid. Again they did not submit pmt withdrawal correctly. I can't call till XX/XX/XXXX because offices are closed. This will be 2 months in a row they are recording put not made on XX/XX/XXXX. I will be charged interest when I sell or pay off my from XX/XX/XXXX to XX/XX/XXXX. My credit will drop again. I want this fixed and my payments recorded on XX/XX/XXXXof month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price ( in writing ). The morning of the procedure I was asked to pay {$420.00} more than I was told. Under duress, I paid, but told them I disputed the difference and they told me to contact my doctor 's office, who had given me the pricing. I contacted them after the XXXX and they said I needed to speak with the XXXX  center, who sent me back to my doctor. I disputed the amount of {$420.00} with my credit card company because I was told the procedure pricing well in advance and it's not my fault they were wrong. I've spoken with the person who gave me the original quote in writing and they said they've contacted the XXXX  center to remove this debt but that was months ago, and the debt is now on 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 2016-01-20
Company: HW Holding, Inc
State: NJ
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 had vacated my apartment on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX Hunter Warfield had sent me a notice saying I still owe {$1300.00} to the Landlord. I had asked for an explanation as I had never received any initmation to that effect from the landlord. Hunter Warfiled sent me a mail dated XXXX/XXXX/XXXX giving the break up of the said amount. This included items like damages to the property etc., As I was not aware of any damage to the property, I had sent them a certified post asking for proof on XXXX/XXXX/XXXX within 30 days of the receipt of the mail. I never heard from Hunter warfield till date. But they have sent a notifications to the credit monitoring bureaus which has resulted in a huge drop in my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear sir or madam, I opened Wells Fargo everyday checking on XX/XX/2017. At that time, Wells Fargo bank had a promotion to open a checking account. It states that within 150 days of your account open date, your account must receive total qualifying direct deposits of at least {$500.00} per month for 3 consecutive months. We will deposit the {$200.00} checking bonus into your new checking account within 45 days after eligibility and qualifications have been met. 

I met these promotion conditions and did not receive the {$200.00} bonus within 45 days. Therefore, I called Wells Fargo customer service and spoken to a supervisor. She reviewed my account carefully and told me that I have met promotion conditions and I will receive the {$200.00} bonus within 14 days. After 14 days, I still didnt receive the bonus and then I received a letter from Wells Fargo and mentioned that I am ineligible for the promotion. This is contradicted what the customer service supervisor told me. And I believe that I have met all Wells Fargo promotion conditions. 

Please help me to investigate what happened, let Wells Fargo honor what they promised and deposit {$200.00} bonus to my checking account. 



Thank you very much for your help! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am an unemployed mother who owns a condo rental property. The condo was involved in a fire that originated in an above unit and was destroyed as a result. Unfortunately I lost my renter and am unable to pay my mortgage. The property has depreciated considerably from the time I purchased it. The unit is down to the studs now and is worth even less. When I contacted Wells Fargo to negotiate a reasonable short payment I was denied by the legal department. I feel like I am being taken advantage of by Wells Fargo Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: ALLY FINANCIAL 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:
On XX/XX/XXXX my wife ( XXXX XXXX ) filed a Chapter XXXX Petition with Ally Financial as one of the creditors. XXXX XXXX is the primary on the Ally auto loan and I 'm the co-signer. Monthly payments have been made to the Trustee ( the Trustee pays Ally ), and the account has always been and is current. My situation is, Ally is continuously reporting to XXXX and XXXX that I am 180+ days past due on the auto loan, which is untrue. Ally has received all payments from my wife 's Trustee since XX/XX/XXXX and I signed paperwork with her Attorney which protects me from paying Ally the 14 % interest once the case is discharged. I have filed a dispute with the credit bureau 's, and Ally was removed from XXXX, but XXXX and XXXX has not complied with my request. The Ally Financial auto loan has never been late ( before and/or after my wife 's Chapter XXXX ) but my credit score is being castigated and chastised by Ally since my wife filed her Chapter 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 2019-12-08
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THE MORTGAGE WAS WITH XXXX XXXX XXXX, THE XXXX, THEN GREEN TREE, THEN DITECH FINANCIAL ( DITECH IS NOT RESPONDING ). 
DITECH IS THE LAST LENDER WE HAVE HERD FROM AND THAT HAS BEEN. 

THEIR WEBSITE DON'T WORK, THEY DON'T ANSWER THE PHONE. 
WE HAVE TRIED TO REACH OUT THE FC ATTORNEY WITH NO RESPONSE YET. 
COMMUNICATION HAS BEEN LACKING, AND WE HAVE FUNDS TO MAKE OUR MTG CURRENT. I WANT TO MAKE MY MTG CURRENT, BUT HOME NO ONE TO TALK TO. 

IT HAS BEEN 3+ MONTHS SINCE WE HAVE HERD FROM ANY ONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. 
SELECT PORTFOLIO SERVICES, INC contacted me after such mailing however their first level of communication was not a dunning letter but a demand for money. 
Although I requested communication via mail they did not first request permission to communicate with me or communicate for or any terms/conditions of or for a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Social Finance, Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was approached by Sofi lending services to apply for a personal loan informing me that i am prequalified. I applied for the personal loan on XX/XX/XXXX, however my application got declined because the lending company claimed that they can not verify my income despite including my most recent paystub in the original application. 
I called them to inquire further information on XX/XX/XXXX and I was put in touch with an account specialist ( XXXX  ) whom looked into the matter and informed me that they made a mistake with my income and I asked me to re-apply as the issue has been corrected. 
I re-applied and they asked for further paystubs from XXXX which I provided and also asked for my job contract which I also provided. After that, my application got declined for the second time. I contacted them again and they once again informed me that they could not verify my income, which seems pretty odd given the fact that I have submitted multiple paystubs from my very reputable employer. 
They proceeded to inform me that there is nothing they can do to rectify the matter. 
When I expressed my concern regarding the negative impact this can cause to my credit especially that it was a system failure on their end and that I/ my credit should not be held responsible for their verification process failure, they informed me that I should dispute this with the credit bureau XXXX XXXX  ''. 
I contacted XXXX  and they informed me that they can not dispute a hard inquiry and advised me to contact CFPB and place a complaint with hopes of removing this wrongful inquiry from my credit report as I have no hand in the process failure.

Company response to consumer: Closed with explanation