BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 Wells Fargo Bank , N.A . assessed a fee of {$10.00} to my account with the title of Currency Fee. I called the Customer Service number for my account and asked about the fee and they could not provide any details other than the fee was assessed by a branch for a cash withdrawal. The terms of my account do not provide for such a fee to be assessed based on what the representative told me. I again questioned what the fee was and how it was calculated and the representative could not answer except postulate the fee was because I had requested " large bills '' or " more than my cash limit ''. I asked to dispute the charge or open up an investigation and the agent refused to do anything and told me I had to talk to the branch. When I asked which branch assessed the fee she could n't tell me and asked me to go to the branch where the money was withdrawn. The money was withdrawn at multiple branches. 

This account has over {$50000.00} in it on most days and is a business account. I should not be charged for withdrawing my own money from my own account. 

WFB has the legal responsibility to have clear terms for their accounts as far as how charges are placed on my account and I believe they are acting in violation of disclosure laws for FDIC insured bank accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: MS
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 HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-03-13
Company: EQUIFAX, INC.
State: MS
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 HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX anXXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our original mortgage was with XXXX and sold to Bayview Loan Servicing. We had an auto draft set for XXXX and Bayview took it out on the XXXX resulting in returned checks and NSF fees. Contacted an agent on XXXX and told to submit in writing the complaint and the bank statement showing NSF fees - send a fax to XXXX. I did this and no response to email or verbally so on XXXX/XXXX/15 called again and spoke with another agent who assured me the NSF fees had been applied to my account on XXXX/XXXX/15 and it would take 5 days to post. As of XXXX/XXXX/15 nothing has been refunded and I am out over {$500.00} due to Bayview 's mistake. Calling again today but this is horrible customer service and I have yet to be acknowledged by a Manager, even after several messages left on voice mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I returned an item to seller and asked my bank to refund my money and my bank denied my request. I gave my bank tracking information proving the item has been returned to seller

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 2022-07-18
Company: Experian Information Solutions Inc.
State: OH
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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 2017-10-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX demanding payment of a debt. I responded in writing requesting this company validate the debt on XXXX XXXX, XXXX. Thirty days went by and there was no response then after an additional 14 days I received a letter on or about XXXX XXXX basically ignoring my request and repeatedly attempting to collect a debt. I have been under tremendous stress and mental drain dealing with the aftermath of Hurricane Harvey and the widespread tactics of scammers preying upon vulnerable people. So I again write another letter to XXXX on XXXX XXXX, XXXX asking them to provide the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Any other legal action by you or any creditor regarding this account Complete transaction history from inception of the account Correspondence address of alleged creditor. 
Prove the Statute of Limitations has not expired on this account Provide copy of your license to collect in my state Provide your license numbers and Registered Agent or Agent of Service The company ignored my request and instead sent another robot letter on XXXX XXXX, XXXX demanding payment on an unverified and unvalidated debt. These letters are causing me continued stress and strife in my already fragile life as I struggle with a XXXX XXXX and on the brink of taking long term XXXX. I believe my rights under the Fair Debt Collection Practices Act are being violated. I have the right to request validation of the debt this company alleges I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I 'm not sure why any reputable company is unable or unwilling to comply with this simple request. 

I am not sure why XXXX is refusing provide any of the information I requested above on the alleged {$740.00} debt it is attempting to collect so I am requesting the assistance of XXXX to help with this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I've made several attempts to fix this issue I started XXXX XXXX and attempted again XXXX XXXX I also requested for them to send me verification of their investigation and a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX SXXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-03-13
Company: Southwest Recovery Services, 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:
I do no know of this account appearing on my credit report. i have made contact with the company prior to this but they have not complied. The information recorded does not match my records and this has not been approved by me. The collection for southwest recovery ser is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My identity was mistaken by a debt collector named Debt Recovery Solutions , LLC ( " DRS '' ) of XXXX, XXXX, XXXX XXXX. DRS claimed I owed a debt for medical services that in fact were not related to me and that I did not incur. I disputed their claim in writing and requested that they provide supporting documentation verifying the accuracy of the debt collection. Subsequently, the supporting documentation they provided reflected information of an individual with a similar name as mine, but with a different date of birth and an address at which I have never resided. Thus confirming that DRS 's attempt to collect this debt from me is erroneous and baseless. 

Nevertheless, DRS has negatively impacted my credit report, by recklessly reporting this debt collection to my credit report. I have disputed this debt collection and erroneous credit reporting to both XXXX and DRS and have provided DRS with documentation that contradicts and disproves their claim of my obligation to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Financial Credit Network Inc
State: CA
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:
On XXXX XXXX, 2014 I purchased a home. My spouse called XXXX and asked to be turned off on XXXX XXXX, 2014. However the gas company did not show record of this and billed for XXXX which I went back and forth with them about. 

They have sent it to a collection agency and I offered to pay in full to get it removed from my credit report even though I did not live at the address any longer and whoever does or did live there used my gas or name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: GreenSky, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I requested that Home Depot XXXX provide me with business records relating to my account. I requested the information XXXX XXXX, 2016 in writing. I contacted Home Depot on XXXX XXXX, 2016, to inquire about the documents that they had 30 days to submit. I spoke with XXXX XXXX and XXXX in the customer protection department, they XXXX stated that they do n't have to provide me with any forms of verification of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: FIRST ADVANTAGE CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I completed an assessment for a background check yesterday, XX/XX/XXXX, for a job I applied for at XXXX. I received an email from First Advantage this morning regarding the results of the background check. In the report, was a criminal record from NC in XXXX, which I never was there at that time. Also, the name is wrong. The first name is XXXX, which isnt my name. Also, it included my married name, but I wasnt married until XXXX, so the last name wouldnt have been that which is in the report from XXXX. I would like to have it removed from my report as it is not me and I dont want it affecting my future career endeavors. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this complaint to disclose my unfortunate circumstances. I have financial hardship and going through lot of problem in my life. I felt behind my mortgage and I can not afford to pay mortgage. I am trying to do a short sale on this property and the servicer of this loan is Ditech financial LLC and they have completed a full appraisal of the property on XXXX/XXXX/2016 and the valuation came back as $ XXXX. My authorized third party have submitted an offer for $ XXXX more than a month back and this offer is more than 95 % to their value. Since then neither me or the authorized third party are being helped by the servicer and they are not also providing any clear status update on the file. Not only that they also tried to restart the file from scratch 3 times without any legitimate explanation. They are negotiating this account in bad faith and depriving me from my rights to get ride of my debt via short sale. Please take immediate actions and help me complete short sale on this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I had a REDcard acct that I only used at XXXX time, and I do n't think I had used it since XXXX of XXXX. I purchased a birthday present for my grandson on XXXX XXXX, XXXX. I went to pay, the clerk asked me if I wanted to use my REDcard, she said i 'd get more of a discount on that purchase, so I said, " Okay. '' That was a mistake. I charged {$25.00} on XXXX/XXXX/XXXX, then shortly after that, my son-in-law had an on-the-job accident that was XXXX, and my XXXX year old grandson was sick for weeks XXXX. They are both mostly fine now. But during that time, I was rarely even getting the mail out of the mailbox, let alone opening it. I was a basket case, and almost never home. So finally, my life returns to some normalcy and on Friday, XXXX XXXX, I open this bill from REDcard stating I owe {$120.00}. I called Target Card Services to ask them to forgive one or two of the late fees, but they say the OCC prevents them from forgiving any of the late fees, plus, if I close it without paying all the late fees the late fees will continue to stack up, another {$35.00} each month, even though the account is closed. I talked to XXXX and told him i wanted to close the account. Then I went straight to the US post office and mailed them a check for {$25.00}, along with a letter detailing what had transpired, and reiterated that I had asked for the account to be closed on the phone with XXXX on XXXX/XXXX/XXXX. I felt like they were strong-arming me, as if i was involved in a case of extortion. I just could not believe they would not waive at least one of the late fees. I actually thought what they were telling me was illegal. So now I intend to find out if what they are doing is in fact legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
Bank of America visa credit card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ref # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX and XXXX working in XXXX, MN on those dates. Multiple charges made by XXXX and XXXX in XXXX on same dates. Not our charges nor were they authorized by either of us. 

See attachment for details and dates contact made to resolve.

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 monetary relief
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: CA
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:
Fraudulent inquiries and inaccurate account information

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Fraudulent inquiries and inaccurate account information

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 2016-03-25
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company sent me a letter Dated XXXX XXXX, XXXX regarding a " late '' payment. I contacted them, and then subsequently emailed them a copy of the canceled check. On XXXX XXXX, XXXX they company assured me by email that they had removed the late fees, and had corrected my credit file. In XXXX, I was checking my account and noticed that they had not yet removed the late fees. I called them and asked them to please take care of that, which they did. 
My credit file is still showing a late payment with XXXX. I contacted them on XXXX XXXX, to ask then to fix the issue, and their manager simply told me to do a credit dispute. He also told me that credit updating could take XXXX90 days, however this issue has been much longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just completed a refinance moving my loan from XXXX to Cardinal Financial. During the application process, i asked if there were any prepayment penalties and can i make bi-weekly payments. I received in writing onXX/XX/10 : Hi Mr. XXXX, There is no prepayment penalty and you are able to make bi-weekly payments after you fund. You will be able to set this all up after closing. 
XXXX XXXX | Retail Transaction Coordinator Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX Phone/Fax : XXXX | cardinalfinancial.com My loan just closed and was funded, and while registering my new account I attempted to set up automatic bi-weekly payments. The website only allowed monthly payments so i called customer support and they informed my they do not allow bi-weekly payments and sorry for the misinformation. This was a big deciding factor for refinancing with Cardinal Financial. I would have never chosen them as a lender knowing this information now. I asked the supervisor how there is a disconnect between the loan originator and loan servicing and she said they do not speak to that department, and there is no a way to inform the origination team they do not support this payment option. 
To me this is a direct UDAP violation selling customers on a product that is not even supported by Cardinal Financial and should be addressed immediately so other potential costumes are not impacted with illegal marketing practices of Cardinal Financial.

Company response to consumer: Closed with explanation