BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In previous correspondence with the Wells Fargo Executive Resolution Specialist Customer Care and Recovery Group, it was my hope to update and resolve the outstanding funds ( which were paid and applied ), seems to be in influx while the Executive Department decide whom authorized ( XXXX ) unauthorized escrow analysis. Everyday since my first contact with cfpb, I have diligently attempted to contact XXXX XXXX ( XXXX ) XXXX x XXXX and XXXX XXXX ( XXXX ) XXXX x XXXX, whom are my direct contact personnel. Today I called and spoke with XXXX XXXX @ XXXX and also XXXX XXXX XXXX @ XXXX ( located in the California offices . With XXXX XXXX I requested that she attempt to locate both XXXX XXXX and XXXX XXXX and to leave them both an email. When contacting the California offices and speaking to XXXX # XXXX, I briefly went over my account and the funds not applied. This letter arrived today, yet the letter is dated XXXX XXXX, 2015. In the letter it states that my account is delinquent and in default, despite Wells Fargo receiving {$820.00}, {$490.00} and {$1100.00}, all applied and received at the Wells Fargo Bank ( XXXX XXXX ). I myself personally deposited these funds and posses receipts. Additionally I inquired if my account was updated and if the California offices were in direct contact with the Executive Offices. It is appalling to deposit funds only for Wells Fargo to then send constant letters saying my loan is in default and that they need extra time to research funds that were deposited. It seems both agencies do not communicate with one another, thereby sending out threatening letters of default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Issue: Other

Complaint:
I have a Wells Fargo Credit Card. I have made small payments the past couple months due to some other financial obligations. I do pay well before my due date..which is the XXXX of XXXX. I paid for the month of XXXX on XXXX/XXXX/15. Wells Fargo requests a minimum amount due, which did n't meet. I received a letter from Wells Fargo last week and called the number on the letter the following day. I explained to the agent I had every intention of making larger payments and paying this card off asap and that I had always paid on time. 
The agent was not only aggressive and hostile towards me, but he was relentless. I finally hung up after attempting to assure them I was making regular payments that were on time. 
I have also paid off {$6000.00} of this card over the past 8 months or so ... which is clear evidence of my good faith in making payments to get the balance down. Then today, the Human Resources department where I work brought me a message they had called them. This is completely unacceptable that they are calling my workplace. I am the XXXX to the XXXX XXXX XXXX where I work. The tactics Wells Fargo is employing constitute harassment. Today I called XXXX again and explained my payment history, my timely payments, and good faith intentions to begin paying between {$500.00} and $ 1000 monthly on this card in XXXX. Yet they continue to be aggressive and relentless towards me. I will no longer tolerate this. I will no longer be accepting any phone calls -they need to stop contacting my employer -- and all further communications need to occur via the mail. 
They need to CEASE AND DESIST from this harassment. I am making timely and regular payments ... and demonstrate every good intention of paying down my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: United Revenue Corporation
State: TX
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:
THE COMPANY HAS VIOLATED MY RIGHTS AS A CONSUMER, NOT ONLY THEY HAVE FAILED TO RESPONSE TO THIS REQUEST FROM THE DATA RECEIVED ON XX/XX/22. THESE ACCOUNTS STILL APPEAR TO ALL 3 CREDIT BUREAUS THESE ARE CLEAR VIOLATIONS OF BOTH THE FDCPA THE FCRA ACC # XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NY
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2016-01-31
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
Per the back of the prepaid visa card I have states that a fee is charged, except where prohibited by state law. 
I live in Colorado and it is my understanding that an inactivity fee can not be charged for prepaid accounts. 

Colo. Rev. Stat. 6-1-722 ( b ) ( 3 ) Prohibits service fee, a dormancy fee, an inactivity fee, a maintenance fee, or any other type of fee. 

The card that I have has been depleted of {$16.00} in inactivity fees. I called the customer service number XXXX and was told that the law does n't pertain to their card. The customer service agent was very rude and hard to understand. She told me she would not assist me. 
I then tried to use the card so that I could salvage the {$34.00} left and it was declined. I waited a few days and was able to use the {$34.00} left on the card. 
The card is issued by US Bank and the website for balance information is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Other

Complaint:
I have a credit card issued by Independent Bank. I have never had a late payment with the bank. Some months ago they said that the card was under a fraud alert - I could not then access the account through the internet. And when I called the company to resolve the issue they would put me through a whole host of security questions before condescending even to tell me the current balance. They would not tell me what the fraud issue was and would not remove the fraud alert. I have called their customer service 3 times already and still I have no resolution - the fraud alert is not removed and I have not been told what was the cause. 
I have never had this issue with any other bank. Whenever there is a fraud alert or a bad charge with other banks they contact me and the issue is resolved right away with XXXX call. The customer service at Independent Bank is terrible and I would not recommend that anyone use their products or services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
u.s bank home mortgage just removed XXXX in debt from purchase amount, but still reporting on my credit reports im 90 days late when i 'm current and trying to refinance with a new lender also i have a civil case pending and was ordered to buy a car and i can not buy another vehicle until i refinance this home u.s. bank are not updating everything correctly in the system yes balance left owed is XXXX but i 'm not 90 day late, i owe this month only and my time clock is running out on what a judge in another case has told me to do.

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 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
My credit report shows a hard inquiry via Capital One on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting Capital One several times over the course of a couple of years, they have been no help. Capital One told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact Capital One for them to fix the issue. I have never once done any business with Capital One in my life. I need some sort of assistance to get this inquiry off of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX2022 I contacted them via mail concerning unauthorized inquiries and inaccurate 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 explanation
Consumer complaint received 2018-03-22
Company: Eagle Accounts Group, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am being Hit with a hard inquiry on XX/XX/2018. I did not make any such inquiry and would like it removed from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Tuesday, XXXX2017, I opened up an online checking account with the First National Bank of Omaha ( FNBO ) after doing online research through XXXX. I truthfully and completely answered all their questions about the account I was using, which was my account with XXXX., to fund the new account with FNBO. I opened the account with an initial {$1.00} deposit, which was accepted by FNBO. On my application, I indicated that I would transfer {$2900.00} per month into my FNBO from my XXXX account. On Wednesday, XXXX XXXX, 2017, I received an email from FNBO stating that I was suspended for transferring funds into this account. This was after I transferred {$1400.00} to the FNBO account from my XXXX account. When I called to inquire as to why ( especially given the fact that there had been no issue with the {$1.00} transfer from my XXXX account to the FNBO ), I was informed that it was because of fraudulent activity, which I have never been a part of it nor had it raised as an issue with other bank and brokerage accounts I have opened online-including my XXXX and XXXX XXXX accounts, both of which are larger and more prestigious banks than FNBO. I was never given a satisfactory response as to why my account was flagged and my money held for three days, and would not be available until Monday, XXXX XXXX. FNBO 's verification processes are arbitrary, discriminatory and can not be justified. If there was any concern about fraud regarding my XXXX account, the {$1.00} deposit should have been rejected and at that point, the {$1400.00} deposit should have been as well. Instead, FNBO accepted both deposits and then proceeded to slander my character by insinuating that I had committed fraud with the transfers from my XXXX account. I am the sole signatory on all of my bank accounts and I indicated as much on my online application to FNBO. I am seeking an elimination to these arbitrary and discriminatory practices by FNBO as well as to be made whole as their hold on my deposit will cause my rent ( which is {$1400.00} ) to be late and subject me to a 20 % late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-20
Company: VW Credit
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: Their investigation did not fix an error on your report

Complaint:
Unusual notifications/responses from crediting checks. ( XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I tried to pay my mortgage payment early and Specialized Loan Servicing LLC wanted to charge me a {$10.00} penalty for doing so! I wanted to pay using my bank account. They said I would have to go thru XXXX XXXX to do this, which has a charge! Paying early incurs a charge??? Let 's put a stop to this abusive practice!

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 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a CapitalOne Savor credit card that carries an annual fee. When I signed up for this card, I was assured that I could downgrade it later on to the no-fee SavorOne card. Today CapitalOne denied me this and I will not be renewing the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Dear, I usually make payment on time. I made XXXX payment on time by online, and at that time their website had system problem. My payment was not processed correctly. I found this matter later, and they already reported credit bureau about that payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: Netspend Corporation
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
my personal checking account was hacked and all my funds were transferred to someone else account without my knowledge or authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: NJ
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 XXXX, XXXX XXXX XXXX, XXXX, XXXX, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I did not get my Experian credit report. i received XXXX and XXXX. I should have gotten all XXXX at once. I had trouble in 2016 also. I want my Experian credit report mailed to me as I am in bankruptcy.

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 2015-07-10
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this debt just showed up on my credit report have no ideal who this company is have not received any notice via mail nor do i remember doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are XXXX. 

XXXX XXXX XXXX XXXX XXXX please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness

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 2015-08-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Its has been eight years since i have attended XXXX College XXXX and have had multiple conversations with XXXX XXXX Navient now XXXX XXXX XXXX XXXX who is now the " middle man '' between myself and XXXX XXXX . After agreeing to pay back XXXX $ a month for the foreseeable future i was on my way. I have made about 11 payments in a row with out any problem until my current job ( XXXX XXXX and XXXX XXXX ) did n't pay me for the work i have done. I have not been paid in a month. The situation did n't improve and i had to apply for unemployment. I called my XXXX XXXX stating the situation and they advised me on my options and were helpful explaining Deferment and income based repayment. XXXX XXXX were less then helpful. XXXX XXXX XXXX XXXX explained that they would talk with XXXX XXXX Navient on my behalf to help me in my situation. I was accepted in the interest program with XXXX XXXX XXXX and if i didnt pay they would kick me out. So i received a phone call from my representative from XXXX XXXX XXXX saying that i can stay in the program but have to pay XXXX dollars a month just to stay afloat in the program but i will still be accruing interest. How is this fair that Navient can ask me from money that is technically the governments money? ( because i 'll have to pay it the government ) I barely making ends meet looking for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see the attached letter from Ally. Their debtor IS NOT ME. I have a different address and phone number, yet they have been calling me, and numerous friends and family about this debt. I have never done any business with XXXX XXXX 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 2016-08-09
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a hail claim in which I had to mail the check to get a signature from Roundpoint Morgage, I sent by priority mail on XXXX/XXXX/16. After a week I called Roundpoint and they told me that they needed more information. They did not call me, I had to call them to find out that they needed more information endorse the check. I gave Roundpoint authorization to speak to both XXXX XXXX and XXXX. On XXXX XXXX, they told me again that they neede/d more information. However I have been told by XXXX and XXXX that Roundpoin/t refused to speak with either company. I got Roundpoint on the phone with XXXX on XXXX/XXXX/16 and information was sent to Roundpoint. They said they would mail the check for {$10000.00}. I asked them to overnight the check and the representative said he spoke with his supervisor and said they would. On XXXX/XXXX/16 I called because no check came in. Roundpoint had no record of the conversation we had the day before! I have asked them by what authority do they have to even hold such a check up and they have refused to provide me with any documentation to such an agreement. At this point I have an upset roofer who is threatening me with late charges and a mortgage company who does who refuses to speak with the XXXX or XXXX, even though I have given them the phone number of my agent at XXXX, then can not even find the record where I had XXXX on the phone, all Information they requested was sent to them and they promised to overnight the check! In short, Roundpoint is incompetent. Mortgage property address is XXXX XXXX not my mailing address.

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