BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After a modification Wells Fargo told me I owed XXXX payments and I could only make XXXX. I believed only XXXX was due and it was for XXXX. After paying it I was told I had to pay another XXXX which I did n't have. They have made me late every month on my credit report, my credit is shot. I have n't been able to go to work because of health issues. I just finished my XXXX. I have called them and so far I have talked to XXXX people. No one can help me they just transfer me to another person. I received a notice that if I did n't give them {$6400.00} by the XXXX of this month that they are foreclosing on my home. I have never missed a house payment. I have owned this house for fourteen years. I want to ask them if they will add the money I owe them ( in their estimation ) to the principal and start from scratch again. I do n't know what else to do. I am so concerned about being homeless and I do n't know which way to turn. It took a year and a half to finalize the modification and they lowered the principal by XXXX and the payment stayed the same. I was mortified. I wanted a lower payment not a lower principal and they knew that. Since I lost my job I have nothing extra. My children help with my medications and food. Can you please help me.

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 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One is reporting inaccurate information on my credit report. They are reporting a XX/XX/2020. I recall making this payment on time, and I am not sure why they are reporting a late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Ive been using Coinbase since approximately XXXX of last year and in doing so I use my debit card to purchase cryptocurrency. All of the sudden out of the blue, I have been restricted from using debit cards on the exchange. When I inquire all I am told is that for the security of my account the reason why can not be disclosed. Well Im not sure why they need to keep my own account secure from me, or what damage me using my debit card to purchase cryptocurrency could be doing to the general public, but there has never been any issue with any of my payments and theres absolutely no reason why I should not be able to use my debit card as every other user of Coinbase is able to. It did not give me any information as to the reason why is unacceptable. Even though they are the largest crypto exchange in the United States they are also the most expensive and I pay fees for every single transaction and Ive paid them a lot of money and they should be looking at me as a customer and they should be putting my interest before their own. Instead of treating me like I am a prisoner and that I dont deserve transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent several letter to all three reporting agencies asking them to show proof of my signature or that the account is mine and they have not shown proof. never late. delete

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 2015-04-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. 

I 'd like it removed from my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  WAS LAST UPDATED XX/XX/XXXX. XXXX XXXX  SHOULD BE UPDATED TO PRESENT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2016-06-29
Company: Convergent Resources, Inc.
State: VA
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:
This company is representing the original creditor XXXX this is the first documentation that I have received of this alleged debt of {$920.00} I feel that I 'm not obligated to pay this debt being that it is not mine and I have received no correspondence at all regarding it I do not know when this debt occurred or why. I am a XXXX Customer wirelessly and residential if I had outstanding debt with XXXX in any aspect I would not be able to have service with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During this pandemic, I have conn 's credit account for a laptop they informed me they have no services available to defer my payments. I also have a mortgage and credit cards, we need help to defer these payments. what can I do if I have already contacted them. I informed them I have a shelter in place order. They still offered me no help. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
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: Information belongs to someone else

Complaint:
i just pulled my annual credit report and saw several errors 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
Consumer complaint received 2017-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been charged 50 overdraft charges on one of my accounts and 53 on the other illegally. Neither account is allowed to overdraft and it 's being done without notification of any kind. Example. I open my phone app. Let 's say it says, Posted balance :. {$1000.00}. Pending charges :. {$950.00}. Available balance :. {$44.00}. So I take out {$40.00}. Something else goes through and I get hit with an overdraft charge. I meerly took what the app said was available yet they hit me with a {$35.00} overdraft charge. They have refunded a couple that I 've noticed at the time but I sat with my banker the other day and he pointed all this out to me. Total that 's over {$3600.00}. this is just in the last 12 months and my banker told me his system wo n't go back further. This is unacceptable. I tried contacting the corporate offices. I had an argument with the unprofessional person that spoke to me and the result was they closed one of my accounts stating " they no longer wished to do business with me '' yet left my other account and credit card in tact. I am outraged at this situation and want my money back. I 'm XXXX years old and battling XXXX. I do n't need this aggravation or stress. I ask please someone help me.

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 2020-03-27
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is refusing to pay my property taxes out of my escrow account for tax year XXXX. In XX/XX/XXXX PHH Mortgage contacted the XXXX County Oregon Tax Assessor to get my property tax information as usual. At the beginning of XX/XX/XXXX, I received a tax notice from the county showing my taxes had not been paid. Per the instructions on my mortgage statement, I immediately mailed the notice to the mortgage company tax department on XXXX XXXX and it was delivered by USPS Priority Mail on XXXX XXXX. 

I began calling customer service on XX/XX/XXXX asking them to pay the taxes immediately. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. 

On XX/XX/XXXX I filed a complaint with the Oregon Department of Consumer & Business Services. On XX/XX/XXXX PHH sent me a letter saying they would provide a written response to that complaint by XX/XX/XXXX or notify me if a 15-day extension is necessary ( they have done neither as of XX/XX/XXXX ). 

On XX/XX/XXXX PHH sent me an email stating that they had paid my property taxes for XXXX. On XX/XX/XXXX the PHH website showed they had paid no XXXX taxes but had already paid XXXX property taxes and debited my escrow account. On XX/XX/XXXX I confirmed by email to XXXX   County Tax Assessors that they had not received any tax payments yet for my home. Today on XX/XX/XXXX I tried calling 4 different numbers for PHH mortgage and all of them say there are no customer service representatives available and then disconnect. I tried emailing the account that emailed me saying the taxes had been paid and received an auto-response that they would try to reply within 10 days. The Escalations Manager at PHH who worked on this is named XXXX and her direct line is supposedly XXXX ext XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid an annual fee for a line of credit to Avant which was issued through XXXX. I have been continuously having my payments declined which are within my available credit. I have calling Avant numerous times and been lied to and hung up on on multiple occasions. The call center attendant told me that they are having this issue with several customers. I have had my car insurance cancelled due to this and have had reinstatement fees added.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a medical bill that I received.I fell at XXXX and got injured they are responsible for the bill not me.i received a letter in the mail today from transworld systems inc XXXX/XXXX/2015 stating that if I do n't pay bill in full they will report to the credit bureaus.i tried contacting the number they provided it rings XXXX times then the line remains open with no one on the other end to speak with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: WELLS FARGO & COMPANY
State: MO
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:
On  XXXX / XXXX / 16  I logged into m y Wells Fargo Home Mortgage  account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and  XXXX   XXXX  I noticed at the beginning of  XXXX   Wells Fargo star ted reporting to the credit bureaus that my payment was delinquent. I immediately called  Wells Fargo to  determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. Howev er, Wells Fargo will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint t o Wells Fargo and it went denied. I believe Wells Fargo is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a Wells Fargo customer for o ver 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: AL
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 HAVE CONTINUED TO COMPLAIN THAT THIS ADDRESS THAT THEY HAVE LISTED ON MY CREDIT REPORT IS NOT MINE. YET THESE COMPANIES HAVE NOT REMOVED THEM FROM MY CREDIT REPORT. I HAVE NEVER LIVED IN TEXAS AND HAVE EXPLAINED TO THESE CREDIT BUREAUS THAT I HAVE NEVER LIVED THERE AND THEY STILL HAVE NOT REMOVED THIS ADDRESS FROM MY CREDIT REPORT. I HAVE NEVER LIVED AT- XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BOK FINANCIAL CORP
State: OK
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:
I was scammed. On XX/XX/22, I received a phone call from XXXX, claiming they were the fraud dept at Bank of texas. They wanted to know if I authorized a XXXX payment of {$500.00}. I said no. They reported the scam was done from a XXXX XXXX XXXX and would need my info to process the fraud. I googled the phone number and yes, it was from my bank ( Bank of Texas ). I gave them my sign on and password. I was sent via text ( XXXX ) a temp sign on and was told the temp password would be sent via email. I checked my email and saw several messages from Bank of Texas. When I opened one of them is said " XXXX XXXX was added to my contact list ''. This was concerning. I called the bank. They confirmed a XXXX payment of {$500.00} and I had been scammed. The bank then closed the account. I asked about the money and was told since I gave the sign on and password, I was out that money. I would not be able to recover is since it was to XXXX. All of this took place within a 15 minute window. I would like to know why I can't get my money back. Why couldn't the bank reverse the charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This issue is NOT IN LITIGATION In XXXX of 2021 a conversation was held between myself XXXX XXXX XXXX and attorney XXXX XXXX XXXX of XXXX XXXX, XXXX the JP Morgan Chase Bank, NA representative where this attorney does in fact represent also XXXX XXXX whom I requested 2 FOIA 's on in the past few years, that have STILL gone unanswered by Fannie Mae. Please see the affidavit by myself XXXX. 

I have just received TODAY in the postal mail a payoff quote which I DID NOT REQUEST!!! This representative of Chase refuses to answer the obligated by law to answer the FOIA 'S and instead has sent me a payoff quote while not only violating the FOIA laws but also breaching many rules/laws as an attorney. This attorney Needs to answer the two FOIA 's!!! JP Morgan Chase Bank, NA can not ignore the laws!! nor her!!! This is NOT in litigation and Chase refuses to stop ignoring these NEW identified crimes NOT IN LITIGATION!!! YET!!! 

In addition this is an obsolete mortgage as of XX/XX/2021 on top of the Promissory Note And the Mortgage papers are photocopied and forged!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I NOTICE A NEGATIVE ITEM FROM ONLINE INFORMATION SERVICE ON XXXX XXXX, SO I SENT THEM A DISPUTE LETTER CONCERNING THE ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE.I HAVE ATTACHED A COPY OF THE LETTER TO THIS COMPLAINT BELOW WITH ALL OF THE INFORMATION THAT I HAS REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2019-12-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is crazy and not fixing this issues or concerns I have everytime I apply for any credit card their system refuses to process my applications as everyone else how is this fair or legal this is discriminatory they refuse to help me when I complain tell me their is nothing that can be done and keep trying and I do but its the same I get letters in my mail with no credit report being used just internal response high risk source of application Im sick and tired of their stupid system and them not caring to do anything to help me or fix this problem I want a store card I cant have one a credir card with an airline I cant because their system wont process any of my applications this is not fair my credit is not even pulled or checked to see if I qualify this gets me so angry and their executive office does nothing to help horrible bank

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 2021-09-02
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
Ally Financial XX/XX/XXXX Paid Auto XXXX Off Received Email from Ally to Confirmation # FYI XX/XX/XXXX Received Email Your Title / Lien has been Released Your State DMV will Mail you your Title On XX/XX/XXXX or XX/XX/XXXX My Son Receive call from Ally Payment Loss/Missing/Returned I have called Ally Several times to Speak to the Legal Dept. or Give me A Number No Call Backs 2 months Later Our Credit Scores Drop XXXX points Contact 3 Credit Companies 3 weeks later everything is back to Normal 4 weeks Later Ally is Reporting Late Payments I / We Don't Have Late Payments Ally / They Have A Serious Issue See attached Below FYI

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