BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
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:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows. PLEASE BLOCK INFORMATION 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 N/A XXXX N/A XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, FL 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 2017-06-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Attorney a nd Wells Fargo have  violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has  gone unanswered. I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to   cease and desist ALL collection activity until validation of the original note is provided.  <P/>  This law firm and Wells Fargo Bank are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd  request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/>   I have requested the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains.
3. Provide details how the alleged debt was calculated.
4    . Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt.
6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and Servicing Agreement to the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody but the Depositor ( Settler ) can transfer property to the trust.
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ).
8. Provide evidence that you are licensed to collect in my state.
9. Provide your license numbers and the Alleged Lender 's Registered Agent.

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 2017-06-10
Company: First Associates Loan Servicing LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In    2013  I considered taking a course at  XXXX   XXXX   College  online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We paid off our HELOC on XXXX XXXX, XXXX and we have not been able to get Bank of America to discharge the mortgage. 

Can you please ask them to discharge my mortgage and record the discharge? 

Thank you very much.

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 2020-02-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain a Automobile loan. The following account was fraudulently opened in my name and I ask that it be Deleted : WFDS Opened : XX/XX/19 Amount : XXXX I also ask that the fraudulent inquiries be deleted also : WFDS XX/XX/19, XX/XX/19, XX/XX/19

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 2021-05-15
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received a notification that the number on my chime account had been changed and another stating the card was removed from XXXX XXXX. I immediately checked XXXX XXXX XXXX card still there XXXX logged into account and seen transactions I didnt make. Immediately called chimewhile on the phone with them trying to disable the card I watched over XXXX $ leave my account. I watched them transfer money from savings to spending and couldnt do anything about it. Its now XX/XX/XXXX and I am still waiting on my funds. Spoke with a supervisor on XX/XX/XXXX who stated she labeled the notes as High Priority. Why isnt everyone who has a dispute not treated as high priority? The nightmare goes deeper than that but thats to sum it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: MO
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:
Im a victim of identity theft and I have fraudulent accounts and collections including inquiries on my credit report due to fraud. Ill file a FTC affidavit along with the other documents required to be with it. I read a article on the internet that said equivalent and Experian is doing it he most but all 3 of my major credit bureaus only took two off from experian

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 2017-06-10
Company: Cohn, Goldberg & Deutsch,LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Attorney and  XXXX   XXXX  have violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has gone unanswered. I am exercising my rights under th e " Fair Debt Collections Practices Act '' a s  codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided .  <P/> This law firm and  XXXX   XXXX   XXXX  are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/> I have requested the following  : 1. Copy of  the original alleged note accompanied by an AFFIDAVIT from the alleged Lend er 2. Ide ntify to what the alleged debt pertains.    3.  Provide details how the alleged debt was calculated.   4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act  ) 5. P rovide copies of any papers that show that I agreed to pay the alleged debt.   6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and  Servicing Agreement t o the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody bu t the Depositor ( Settler ) can transf er property to the trust.    7.  Provide the agreement between the creditor and your firm which authorizes you to collect funds  (  without a contract, your firm has no right to foreclose ).    8.  Provide evidence that you are licensed to collect in my state.    9. Provide your license numbers and the Alleged Lender 's Registered Agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
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: Old information reappears or never goes away

Complaint:
ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.

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 2017-06-10
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am  XXXX   XXXX  th e POA  of my mother  XXXX   XXXX   XXXX , my mother whom has had   XXXX   XXXX . My mother signed a mortgage with  Specialized Loan Services  address  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , CO  XXXX . I submitted several request for a copy of the original loan that she signed for and to know avail I have not received it. I solicit your help in thi s matter.Loan #   XXXX  Property Address  XXXX   XXXX   XXXX   XXXX   XXXX  GA.

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 2018-06-01
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: Information belongs to someone else

Complaint:
Ive tried to upload a police report for fraud in my information that manifested over 40   unauthorized hard inquires that are holding me back from securing a home loan. I kept getting an error when trying to dispute on Equifax.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The complaint is with XXXX and XXXX XXXX XXXX I have the benefit of my mobile phone being insured as long as I paid my bill with my VISA card. This is what sent to XXXX and XXXX XXXX XXXX : In XX/XX/XXXXI dropped my XXXX and broke it. I ca n't see what 's on the screen and it has been acting up since I dropped it. I am desperate for a new phone. I meet all the requirements, have uploaded everything needed to be reimbursed for the cost or replacement of my XXXX XXXX. When I got no response to the claim that I filed by phone in XX/XX/XXXX, I filed an online claim. Every time I talk to XXXX XXXX XXXX I get the run-around. I paid my XXXX bill for years with my Wells Fargo Visa. I have a broken phone which is covered in my card benefits. Surely this is not the way XXXX treats its customers. Please take control of this and resolve this issue before I have to take further action. The claim number filed by phone is XXXX. The claim number filed online is XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX needs AT LEAST some attention for not resolving this issue in a timely matter. I 'm still waiting for a resolution.

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 2022-04-04
Company: SYNCHRONY FINANCIAL
State: WI
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/22 I paid a payment on my Amazon Store Card for {$17.00} ( fixed payment amount ). I paid XXXX weeks early. It's due XXXX/XXXX/22. I always double-check every payment before I submit it and I authorized the usual {$17.00} amount. Someone on the banks end went in and changed it and took {$570.00} instead! When I called the company they claimed they could do nothing except send a check in XXXX weeks! If they can take it electronically they can put it back electronically! They ripped me off!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with my loan servicer Mr. Cooper regarding my escrow account. After a tax disbursement I called and spoke with a representative in early XX/XX/2021 and requested and escrow analysis. I received estimated information such as the shortage amount and the new payment amount. I was advised to make the shortage payment before the analysis would be applied to avoid delays in adjusting the payment after the shortage was paid. I prepaid the shortage amount, however when I called back in and spoke with XXXX from Arizona, they refused to provide the estimated escrow analysis information. XXXX stated that they submitted a request for an analysis to be performed, but would not run the estimated analysis and provide me the information. I was seeking confirmation that the shortage amount I prepaid was correct, and to know the upcoming payment amount. I advised I was aware the information would be estimations only, yet was still denied access to this information. I used Mr. Cooper 's online chat to speak with XXXX from Texas. XXXX was able to perform the escrow analysis estimation, and confirmed that the shortage had been paid in full, yet refused to provide the new payment estimation. When I advised that I was aware the amount would be an estimate, the chat was disconnected. 

An estimated escrow analysis allows consumers to make informed decisions and to plan financially. Refusal to provide this information ( information that had been previously provided by another representative ) can be harmful to the consumer. I have now made an additional escrow payment with no confirmation that the amount was correct. 

Of the 3 representatives I communicated with, 2 refused to provide this information, and 1 told me the information was not available to them. This is not truthful and intentionally deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I logged on to my Citi mobile app on XX/XX/XXXX and noticed all three credit cards I have were closed by the bank with no reason or notice given. I called customer service and no one even a supervisor was able to help me with this concern.

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 2020-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my student financial aid check into my Bank of America checking account, at the branch located XXXX XXXX XXXX, XXXX, IL XXXX, on XX/XX/2020. Before depositing my student financial aid check, I asked the bank teller how long will it take my check to clear, as I am a current XXXX XXXX  Customer also, and I can not wait, or have a hole placed on my student aid check. I continued informing the bank teller, I am travelling out of the country and need immediate access to my funds. I also expressed, if my funds will not be made available to me immediately ( within 1-3 days ) by Bank of America, I will deposit my funds into my XXXX Banking Account. The bank teller at Bank of America informed me, that my funds will be available the next day, XX/XX/2020. Later that afternoon, I received an email from Bank of America stating, they were placing a hold on my student financial aid check, and the hold will be released XX/XX/2020, which is a ten day hold, from the date of my deposit. I immediately went into the same Bank of America Branch, explain the situation. I explained how placing a hold, on the whole amount of my deposited funds, violates the Federal Expedited Funds Act, and the Check Clearing for the 21 Century Act. I again explained to the Bank manager at that branch location that, I am traveling out of the country and needed my funds made available to me to purchase my plane tickets. To my dissatisfaction, no one at the Branch office would help me rectify this situation. I also called the Bank of America customer care line, and received the same treatment, as I did at the Branch location, no one would assist me in correcting 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