BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have received XXXX checks from an insurance claim dated XXXX/XXXX/16. The first XXXX checks were endorsed without issue and the repairs commenced on our home. The XXXX check was the result of a settlement between us and the insurance company. Wells Fargo refused to endorse this final amount and has since held the funds in escrow despite our repeated documentation that this final settlement contains portions of personal property and costs incurred, which the mortgage company should not hold in escrow but return to us. Wells Fargo is refusing to do so until an inspection takes place despite documentation of Certificates of Completion from the City of XXXX for work requiring permitting, detailed documentation from our lawyer, a settlement agreement, and several requests in writing directing the personal property portion be returned. Wells Fargo keeps us on the phone for hours with Tier XXXX CSR 's until no effectual resolution is reached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
in XXXX i got a letter, 3rd party, AFNI c/o XXXX XXXX XXXX I immediately sent them a debt validation letter asking for proof if i am the responsible for the debt. They did not respond via mail, the responded by placing it on my credit anyway. A MAJOR VIOLATION of the FDCPA & the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-26
Company: JPMORGAN CHASE & CO.
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:
divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife XXXX XXXX XXXX acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late always reporting that i am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
TD Bank has been discriminating against me because Im on XXXX and receiving XXXX benefits. I had {$900.00} saved on my CD and was fraudulently levying me without representation. 

My CD account was emptied. My TD bank secured credit card was paid and never credited for months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: U.S. Collections West, Inc.
State: AZ
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have tried to get All XXXX of the credit reporting company to fix my credit. 
I get NO response. Most of report is incorrect. And some was identify theft. 

I have written letters, received all XXXX of credit reports, and sent them my new information, as well as disputed what was wrong for all XXXX. 

No one is doing anything.

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent a five disputes to the following credit companies. XXXX XXXX and TransUnion, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting this complaint on behalf of my client, an account from Transworld System Inc showed up on his credit report with a balance of {$3300.00}. He hired our company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to work on his behalf, we reached out to Transworld Systems to have them validate the account. The letter was successfully submitted on XX/XX/2022 via fax ( proof attached ) but up to this date we have not received an answer, but the account is still reporting on my client 's credit reports. I am requesting per the Fair Debt Collection Practices Act that this account be deleted immediately off his credit reports since it can not be validated, plus the 30-day investigation window has expired. I have called but they have yet to remove the account. This is illegal and I hope you can offer some help in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: MT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I opened a account with Wells Fargo Bank on XX/XX/2016. I told them that I did NOT want my Social Security check transferred until I get all my automatic withdraws taken care of and then close my old account. They told me no problem and to come in when I was ready to do this. They transferred my Social Security check to my new account on XX/XX/2016 without my permission. On XX/XX/XXXX, the date my direct deposit goes through, I was negative in my old account due to Wells Fargo switching my Social Security check direct deposit. I went into the bank and talked to the representative and the branch manager they told me that they never sent anything in and no paperwork was sent in. I told Wells Fargo that they did because I talked to Social Security office that day and they told me that it was deposited in the Wells Fargo account. I 'm now getting charged every day over draft fees. I went back to Wells Fargo to explain that I shouldnt be responsible for these charges because it was their fault. The branch manager told me that they are not responsible and can not do anything about the overdraft charges. I have contacted Corporate and the regional manager and having no luck to resolve this issue.

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 2023-03-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a {$1000.00} online payment to the XXXX XXXX XXXX Funds are not credited to the account yet. I received the following answer when I complained online : Normally payments and transactions take 48-72 hours to post. However a payment may take longer to reflect in your available credit due to : Previous Returned Checks Payments on new accounts Amount of Payment I expect the bank to credit my account as soon as it receives the funds. That is my experience with my other accounts at XXXX XXXX and XXXX credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CONTOUR MORTGAGE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mortgage with my XXXX XXXX. They ran my credit ( which I authorized ) and then I received no less then 45 solicitation calls from other mortgage lenders directly on my cell phone. I have asked several to stop calling but can't get to all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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 belongs to someone else

Complaint:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by 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 2022-10-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX. After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, XXXX, & Experian for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, Experian & XXXX was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to obtain my credit report from XXXX SageStream, a new credit reporting agency owned by XXXX. Their website does not offer an option on their website to download my credit report. I believe they are required to have this capability under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sent a check in the mail from XXXX XXXX out of XXXX XXXX, CA that was {$2600.00}. I was asked to deposit the check in my bank account. Then was asked to withdraw all but {$100.00} of the {$2600.00} so deposit into 2 different other accounts. One was sent to XXXX and other was sent to a XXXX through MoneyGram. I later found out that the check was a XXXX and my bank zero 'd out my bank accounts. I need some help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have XXXX citi bank cards. The payments are due on XX/XX/XXXX. Citi bank They reported to the credit bureau on XXXX that my payments were late which is no where near 30 days past due. This result in a negative issue on my credit report and caused my XXXX  score to drop XXXX pts. My payment was made on XX/XX/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 2020-03-23
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our existing mortgage from NewRez to another mortgage company and closed on XX/XX/2020. We have tried numerous times to reach out to NewRez to get our escrow refund of over {$3300.00} and any other over charges. We were left on hold for over 40 mins to then be disconnected. We have done this numerous times and have also left message. We have yet to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
After reviewing the uploaded contract Santander Provided, I noticed that they Altered the Contract without my knowledge. After further review I also noticed some weird charges regarding the GAP insurance. I never requested a refund on GAP insurance, and I never received the funds either. it looks like they had me pay for the gap insurance and then somehow cancelled it and pocketed the fee for themselves. This bank is trying to collect double the amount of money for this loan and that is violating consumer law. They have not

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I applied for a Wells Fargo Rewards credit card and was approved in XXXX 2016. When I received the card, I noticed it was not enrolled in the XXXX rewards promotion for which I specifically applied. I inquired via secure message on the Wells Fargo web site and via phone calls to both general customer service and the rewards department. The only coherent response I received was something about a 16-month limit but I read no such limitation when applying for the card.

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 2021-03-14
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by LVNV Funding, LLC, through a law firm c/o XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS , for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with XXXX XXXX back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXXVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX ) only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Southwest Credit Systems, L.P.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I received a notification from XXXX that a new collection had been added to my XXXX, XXXX, and XXXX reports. I immediately sent a dispute letter on the same exact day by USPS on XX/XX/22 stating to Southwest Credit Systems that I had never did business with them and asked for debt validation and that I was disputing the debt. As of today, I have not received a response from them, it has been almost 60 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good afternoon, A malicious Chase employee has input derogatory information on my banking history preventing me from opening an account. Attached are the comments as well as the incorporation and filed tax documents. XXXX XXXX XXXX accounts have almost identical comments. 

I don't owe ANY banks any money. XXXX XXXX and Attorney General XXXX have both been email with this same information. 

Thank you immensely for your immediate assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
Wellsfargo bank in Nj has token {$200.00} dollars from my account in XXXX and XXXX ofXXXX they also has taken {$20.00} dollars from my on today XXXX XXXX. I have reported them several times to there Corporate office in Nc. This is fraud and I had enough I do n't work hard for there employees to steal my money. My names is 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