BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 Wells Fargo Bank foreclosed on my home and sold it for more than XXXX what was owed on my loan. Wells Fargo outsourced my foreclosure to XXXX XXXX, who filed bankruptcy, closed their doors and went out of business, long before they foreclosed on my home, taking with them more than {$300000.00} in surplus funds from the sale of my home. For more than XXXX months I begged Wells Fargo for the information on how to claim those funds, but they repeatedly failed to give it to me, because they knew that XXXX had gone out of business and did everything they could to conceal that information from me, going as far as to tell me on XXXX XXXX, that I was not owed any money, regardless of any surplus funds. I am terminally ill with a short time to live. I am unable to work and the surplus funds is all the money I have left in the world. Because Wells Fargo and XXXX refused to give that money to me timely, I was not able to afford moving and storage costs and was locked out of my home by the sheriff on XXXX XXXX, 2015 and lost the entire contents of my home also. I am now homeless and living in my car with a XXXX in the summer heat, while Wells Fargo continues to withhold my money from me. Wells Fargo wo n't even take my calls anymore. Once I identify myself to them, they play a recording into the phone telling me they can not speak to me and refer me to their attorney in Iowa. I do n't know how much longer I can survive living in my car at this point and I need help. I am afraid that swells Fargo is attempting to wait this out until I die. My family does n't deserve this and neither do I.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I purchased furniture through XXXX. It totaled XXXX. I was asked if I wanted 12 months financing at 0 % interest. I agreed. I made all payments on time. At the end of 12 months I had a balance. The Wells Fargo credit card did not bill me XXXX/month, which, when I calculate it, should have paid off the entire balance in 12 months. Instead they only billed me XXXX/month. Now I receive a bill for XXXX which includes interest of XXXX which is more than XXXX % of the balance. If I was informed at the time of purchase that the 0 % interest was deferred and that I had to make higher payments this past 12 months to pay off the balance in 12 months, I would have. There interest rate after 12 months is 28.24 %. I am now subjected to pay this full amount. I have a XXXX credit rating and could have paid this off in full to begin with and have several credits cards with lower interest. I was mislead by XXXX and Wells Fargo and believe that these fees are fraudulent. This should have been explained to me up front.

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 2022-10-12
Company: EQUIFAX, INC.
State: NV
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:
Equifax has imported loans, credit cards, mortgages, auto Loans, student loans that are not mine. I have been unable to make an upcoming Home purchase, due to the inaccuracies of this credit bureau. Equifax recently was found guilty of having inaccurate information on millions of consumer reports, that prevented people from other wise being approved for loans. 

I have spoken to them several times, and they always say that a supervisor will call me and give me a confirmation code, but no one ever follows up. I am completely out of options on how to resolve this. 

I want my credit report to show accurate reporting, as they are currently breaking several laws of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: REMAX
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The following phone number : XXXX calls me numerous times per day regarding my parent 's home. They are reale state marketers that are trying to get my parents to sell their home. I asked them to place me on the do not call list and they hung up on me. The calls are persistent and of are harassing manner as they call at all hours of the day.

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 2023-04-11
Company: GOLDMAN SACHS BANK USA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX was letting apple pay deduct money out of XXXX account without his authorization. They were little amounts so he didn't notice them. It did not explain on the withdraw what it pertained to. This has been going on since XXXX. Apple pay was notified and they are only willing to reimburse {$90.00} which was 60 days, I have calculated all of the charges up to when they were taken out and it reached over {$2000.00}. I contacted XXXX XXXX they let the fraud department look at it and says there is nothing they can do. I think apple should be responsible for these charges but they will not help with anything. 
I believe that apple should be responsible to XXXX XXXX and XXXX XXXX should have been wondering why apple did not state what those charges were for. I would like some compensation from apple pay but only XXXX XXXX can help me with that. This is fraudulant abuse and should be taken care of. I would like reimbursed my money from apple bay by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
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: Account information incorrect

Complaint:
I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XX/XX/XXXX {$1300.00}XX/XX/XXXX {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX to validate the account they are reporting on my credit report. The letter was returned to me as undeliverable. I responded to Equifax asking for the account to be deleted because the creditors address on my credit report was not valid and I could not request them to validate the account. Equifax responded stating that the account is valid and verified. This account is still being reported on credit report with the creditors information being invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was being double charged for overdraft fees on several occasions in which I was behind on bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving telephone calls from Enhanced Recovery Debt Collections although I 've told them in the past no one lives here by the name of XXXX. They are calling from multiple numbers and this is harassment!!! I 've received calls from XXXX and XXXX multiple times a day, everyday!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX keep send different debt collection after me, I 'm a victim of identity theft I already send out paperwork to them befor and still contacting me about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: GA
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. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 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. Also my information was impacted by the XXXX  data breach and may have got into the hands of the wrong individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: FL
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 2. The following inquiry was made without my knowledge or consent XXXX XXXX Date of inquiry : XX/XX/2019 XXXX. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/2019 4. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/2019 XXXX  : 1. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/2019 XXXX : 1. The following inquiry was made without my knowledge or consent XXXX  XXXX Date of inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank reordered transactions on my account to make it appear that a check I wrote on XXXX/XXXX/16 posted and cleared my account on that same day, in order to assess to overdraft fees on my account. My account balance was at exactly {$.00} when I checked it throughout that day. When I checked my account on XXXX/XXXX/16 suddenly I had XXXX overdraft fees from a check I had written the previous day, and a transaction that was not on my account for {$1.00} the day before. I have attempted to resolve this with PNC, but they keep telling me that it 's " possible '' that a check can clear and post the same day, and they are refusing to refund me the fees they charged in the amount of {$72.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FMA Alliance XXXX Ltd. ( http : //www.fmaalliance.com ) calls my home several times a day asking for a person I have never heard of. I have repeatedly asked to be removed from their call list to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CBC Companies, Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted an application for the Housing Rehabilitation Deferred Loan Program. My credit report was obtained from Factual Data Bureau Express on XXXX without authorization and credit history information used to deny me access to The Program. A property appraisal was not completed, and valuations of my homes equity never even considered. My personal data used to cause adverse harm. 
APPEALED : XXXX XXXX XXXX - Grievance XX/XX/2021 https : XXXX Timestamp XXXX : The Program makes itself available to assist 1 or 2 more properties. 
XXXX XXXX : CD staff will obtain a credit report to ESTABLISH 1 YEAR OF MORTGAGE PAYMENTS. Staff used my credit report to take adverse action. 
XXXX XXXX : Clap of hands, seconded peace signs, and thank you. 
APPEALED : Billings City Council Meeting - Appeal XX/XX/2021 https : XXXX Timestamp XXXX - XXXX : Agenda Item XXXX Confirmed Breach of XXXX Privacy Pattern of Practice - Community Planning Board Meeting-XXXX XXXX, XXXX https : XXXX? XXXX XXXX XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  https : XXXX Timestamp XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX XXXX Meeting-XXXX  XXXX, XXXX  https : XXXX Timestamp XXXX : The Program is available to assist 1 or 2 more properties. 
XXXX XXXX XXXX XXXX Board XXXX XXXX, XXXX  https : XXXX Timestamp XXXX : Use of funds-The Program no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 - Contacted XXXX XXXX  due to incorrect status of 2nd loan, home equity loan, closed with outstanding balance.My credit score now dropped by a lot. I further advised this is a active account with not late payments payments XX/XX/2020 - Called back XXXX, per their request provided Trans Union credit report noting Closed Account. sent by fax # XXXX XX/XX/2020 - Called XXXX to check status advised I would received a email in response to my concern.Was to re-fax information to XXXX XX/XX/2020 - Requested to send information again via fax # XXXX XX/XX/2020 - Called XXXX to follow up again asked to re-fax same information to them along with my full credit report. I declined. I stated the 2nd loan home equity should remain as a open account, same as the 1st loan. I also asked why they call my home but do not leave a message. Too many fax of info and calls with no results. 

XX/XX/2020 - Still waiting for feedback ( email as promised ) from 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 2017-05-01
Company: STERLING JEWELERS, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt from Kay jewelers that was bought by national credit adjusters. I paid in total  XXXX  dollars in 12 months way of  XXXX   XXXX  dollars a month and a last payment of  XXXX  dollars. The debt does not show on my credit report and Kay jewelers said I do not owe anything.  XXXX   XXXX   XXXX   XXXX   has contacted me and said I owe money for a debt to Kay jewelers. I told them it was paid and provided phone numbers to verify that it was. I have received nothing in writing from the regional mediation services about this supposive debt. On  XXXX   XXXX    XXXX   I received a call from an Idaho number which I do not live saying they are a courier to serve me papers on behalf of regional media services to sue me. I believe these people are scams and need to be looked into. I have done some research online and have seen the same stories from others and was provided this site address to file a complaint. Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been banking with capital one for over a year and my accounts have been compromised multiple times I have gotten money taken away from me and my account closed and all they could tell me is I have to wait until they are done their investigation, why should I be penalized for my money being stolen from me, I have filed police reports and everything I need help my bills are due and I have $ XXXX tied up in a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: U.S. BANCORP
State: MN
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:
My credit went down 95 points due to my missed mortgage payments with US Bank in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very upset, either US Bank is not correctly reporting their wording and making this confusion, or XXXX is not retrieving the wording completely and accurately. I have proof from recordings of US Bank offering this program of no payment needed up to 180 days, because of the current COVID-19 pandemic, also stating it will not affect XXXX and credit scores for up to 180 days. I also have documentation proof of this in wording. 

I saw a significant negative impact on my credit score dropping 95 points because of these missed payments reported to the credit bureau during my forbearance plan. 

I opened up a dispute for XXXX and Credit Bureaus to investigate with US Bank for my mortgage in XXXX when I saw this huge negative impact and the reason is because of these missed payments during my forbearance plan. I'm not sure where the ball is dropping, but I just got an update on XX/XX/XXXX from XXXX stating : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' This is VERY unfair to me, as I was given false information from US Bank to go into this plan, being told I would be reported on time, to not affect my credit score negatively, and on a forbearance plan.

I have come off the COVID-19 plan now. When I spoke with Experian week of XX/XX/XXXX, they let me know that if I was on a forbearance plan, then they would remove this discrepancy and the negative impact that was made. Again, I was on a forebearance plan, and have documentation proof of this. One of the contacts at US Bank for sending me my forbearance notifications is XXXX XXXX, U.S. Bank Relationship Manager, at XXXX ext. XXXX. Please see attached documents from US Bank to reflect on their part for proof.

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 2015-12-11
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX states that I owe them {$390.00} for discontinuing service with their company while under contract. I claim that I was not under a contract when I discontinued service with their company. I have asked XXXX XXXX to provide proof of contract, and they can not. They have turned my account over to numerous debt collection agencies, and one of them ( Enhanced Recovery Company ) has listed the unpaid debt as a negative on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: FL
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 am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and True Accord has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation