BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of 2012 we opened up a Bank of America XXXX XXXX Credit Card. BOA charged us {$100.00} to be used as a down payment on a future cruise. There was NO EXPIRATION date. We are now booked on a cruise and since XXXX I have tried to find out where our {$100.00} went to no avail. We submitted letters asking for our money back and just received notice that it is has exceeded any dates giving us money back. How can this be when there was no expiration date from the beginning.We only know that we were charged, we paid it and now we are NOT getting our money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has been reporting false information on my credit report since XXXX XXXX that has prevented me from renting an apartment. They have XXXX collections listed from XXXX XXXX XXXX / XXXX. This information was previously deleted via a dispute in XXXX XXXX. Equifax continuously states that the company ( XXXX ) is verifying the information that account belongs to me but fails to provide any proof of the alleged debt and method of verification. I have sent in documents directly to Equifax showing that the account that is reporting the information does not match to what XXXX is claiming and the original creditor is XXXX XXXX and it does not match that of XXXX. I have requested a signed contract that has my signature showing that I agreed to terms with XXXX communities which both Equifax and XXXX have failed to provide ( because it does not exist ) yet both Equifax and XXXX do not provide any additional proof and these XXXX negative collection entries remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2015-07-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
Wells FargoMy husband is POA for his father who is in a rehab center and is XXXX. He had 3 CD 's due in the month of XXXX which we did not want renewed which where set up for auto renewal. 

XXXX XXXX or XXXX went to the branch and told them we did not want the auto renewal on them. Was told could not do that to the grace period which would start XXXX XXXX and XXXX XXXX. 
Not living in XXXX we returned home to XXXX 
XXXX XXXX call the number of the CD renewal and was told them not to renew. Was told it would be deposited into savings. Why it could not be just changed but waited. 
XXXX XXXX call branch bank and asked why not into savings. Told it takes 3 business days. 
XXXX XXXX called the number on the CD was told it was in process and would show up by Friday XXXX XXXX. 
XXXX XXXX called still not into savings. There shows nothing to stop renewing. Spoke to supervisor and said she will take care of it Monday. XXXX XXXX and call to confirm. 
Monday no call. Cal again on XXXX XXXX and another person would take care of it. But it takes XXXX business days. Well of the 3 CD 's only XXXX were done correctly. Again time on the phone and now with holiday maybe XXXX. 
No one should be put this this incompetent bank routine of infuriating customers and denying them there own money. 

This is {$150000.00} why should someone need to wait to get there own money and the process of stopping the renewal could not be done at anytime. Poor service and customer service. Incompetent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a mortgage modification from Wells Fargo for nearly five years. Recently they came up with an offer of {$960.00} per month over 281 months at an interest rate of 3.75 %. My previous payment was {$910.00} per month. If I can not afford {$910.00} per month what makes Wells Fargo think I can afford {$960.00}? I feel that Wells Fargo has NOT done everything possible to get me a lower monthly payment. There are several solutions I have been able to figure out, what ca n't Wells Fargo? About 6 months ago Wells Fargo made a big deal in the news media about giving a new home to a veteran for free. Now they are trying to make another veteran homeless. I am not asking for a free home, just an affordable one. All that good will that free home got wells fargo could be wiped out with the news story of wells fargo swindling another veteran out of their home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I been having a terrible experience with XXXX  and Capital One.My credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a capital one account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed XXXX  about this matter and although I have a security freeze an XXXX   representative told me that Capital One broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXX.Please if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a professional welder and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX XXXX at XXXX XXXX and XXXX XXXX and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2020 I received a check from my lawyer as part of a refinance of my mortgage in the amount of {$14000.00} to pay off my loan Acct : XXXX. I went to the local branch to submit the check. I was informed I could not submit the check to Citizens bank because XXXX was handling the loan. I then sent the check via Post overnight. XXXX received the check on XX/XX/2020 at XXXX XXXX. I contacted XXXX on XX/XX/XXXX to verify the check posted and since the check was in an amount greater than the loan pay-off to request the difference be refunded. I was told verbally and in an email, today XXXX XX/XX/2020 ] that the loan will " officially be paid off on XX/XX/2020. Further, the overpayment of {$960.00} will be mailed in 2 to 4 weeks. This is totally unacceptable. Plus at the time of making the loan with Citizens we were not informed of it being in XXXX ' control nor were we told of this holding of the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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 have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. 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 2017-05-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX  received a phone call from Navient representativ    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   am   Offered a forbearance to get loans up but not a income driven repayment plan. Stated this was only for federal loans not private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: ERC
State: GA
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:
XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
On Saturday XXXX XXXX, 2016, I tried to make a payment online to my sister 's credit card and this card is Discover Card. The account number ending in XXXX and I tried a couple of times. It kept on saying something like " Sorry we ca n't process your payment. Please try again at a later time ''. In short, I did n't get a confirmation number that the transaction went through. Yesterday XXXX XXXX, 2016, I called Discover Card customer service cause I saw XXXX transactions from my bank account that was in process for the amount of {$250.00} dollars. I wanted them to reverse XXXX of the payment but they kept on saying that they needed to get approval from my sister cause I was not on the account. Today XXXX XXXX, 2016, my sister and I had a three way call and they would not admit that their online had taken my money without letting me know. Instead, they said that on their end they have a confirmation number and this transaction is legitimate. I told XXXX with ID # XXXX that how can you have a confirmation number and I did n't get one. What I had was a screen that said to try again cause their online was having some trouble. All I wanted for XXXX to do was to reverse XXXX of the XXXX {$250.00} dollars back to my account. She said theirs nothing they can do because as far as she is concerned that they did n't have any problem with their system. I asked her, do you have any note that on Saturday XXXX XXXX, 2016 that your internet was having problems taking payments. She said they did n't have any problem with their internet. I told her that I spoke with XXXX with ID # XXXX who confirmed that on Saturday XXXX XXXX, 2016 had some internet problems and was very sorry that this had happened to me. 
My complaint and want to have done is for Discover Card investigated with this internet transaction that was done on Saturday XXXX XXXX, 2016. I told XXXX that this is a fraudulent act that Discover Card done to me because I was never informed that this transaction ever went through and yet my bank was withdrawn twice for the amount of {$250.00}. I never received any confirmation notice that you normally get after the payment have gone through in the internet. Please investigate this internet transaction because I do n't want any other victims experience the same thing what had happened to me with Discover Card. I want Discover Card be liable of this transaction and be hold accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my TransUnion credit report, i noticed there is an inquiry on my report that i have no clue.I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX. 
Phone : ( 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 2019-12-03
Company: Experian Information Solutions Inc.
State: KS
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 contacted XXXX XXXX Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously Experian, XXXX  ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

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 2017-11-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. Experian and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.

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 2020-04-06
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Credit card with Chase Bank has a large fraudulent transaction on it from XX/XX/2020 for {$290.00} for something called XXXX. Ive tried repeatedly to reach Chase but once I get through the phone tree the call hangs up. I understand call centers are challenged right now but either remove the fraudulent charge or be able to discuss by phone. As it is the charge remains and I have no way to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
NOTICE OF ERROR i was offered a loan modification in 2018 that would result in higher payments and extending the loan to a 40 yr mortgage although the interest rate was 2 points lower in 2018 the offer was at 5.675 giving no relief to me i would like them to review their offer and 1-explain how the payments were calculated 2-how much the 40 year mortgage would cost at the end of 40 years vs the {$78000.00} that remained on the mortgage when Bayview took over the loan 3-supply the NPV calculations 4-supply the application received for the Loan Modification which you used to calculate my income and expenses 5-how you calculated the value of the home 6-credit scores you used in your calculations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It shows on my credit that I have a XXXX account which I have never owned a XXXX account let alone know how to use a XXXX. This should never have been on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: ID Analytics, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent in 3 requests to un-freeze my Sagestream and they have all been ignored. I requested to un-freeze online and over the phone. I have called and left several messages and still have not received a response. I requested to remove security freeze using my PIN number on the Sagestream website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have been trying to get Wells Fargo Home Mortgage to acknowledge and change inaccuraries being reported on my credit report. I have start writing to them as early as XX/XX/XXXX and most recently sent them another letter on XX/XX/XXXX ( see attached including excerpts from two loan items - XXXX and XXXX. The former continues to show a 30 day late payment status which is impossible as this loan was paid off and is showing a XXXX balance ... .Reporting must be 100 % accurate under the FCRA. 
The second account also shows inaccurate a 120 days late payment status with a XXXX balance and a comments section showing that the loan was paid off with less than full balance. This is not accurate and I have been requesting an accounting to prove up their reporting.

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