BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Avant Holding Company, Inc.
State: MA
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:
On XXXX my card was used twice. {$24.00} & {$72.00}. Both at XXXX On XX/XX/XXXX my card was then used twice again. {$290.00} & {$310.00} both at XXXX XXXX. 
On XX/XX/XXXX my card was used 7 times. {$13.00}, {$50.00}, {$42.00}, {$24.00}, {$31.00}, {$39.00}, {$120.00}. 
On XX/XX/XXXX my card was used 2 more times. {$36.00} ; & {$9.00} To note here I have never charged more then 2 charges in one month. I have never went over 10 % of my balance. Here the repeated charges pushed my balance to XXXX dollars over the limit. This has been reported to the credit bureau. 
On XX/XX/XXXX I called Avant a webbank affiliate to declare my card lost stolen. And to report the charges in Dispute by me. These charges were not made by me or anybody I know or even with any knowledge these charges or this was going on.. A third party vendor hired by avant made a case and I was told to wait 5 businesses days and someone would contact me. No one ever did. On XX/XX/XXXX I called in to avant to ask why no one has called. I was then told the issue was re-escalated and I had to wait 10 business days for contact. I received an email stating if applicable preliminary credits would be applied and I would only be contacted if need be. I waited those 10 business days. Once again I called after the date, and asked what was going on and why credits have not been applied. No one can ever answer anything. The call center has limited knowledge and can not transfer a call to fraud even if they wanted to. So I. Allied everyday sence then. No one could tell me who was handling my case, why no credit was applied. No answer to nothing. Then on XX/XX/XXXX late in the day I seen preliminary credits. On XX/XX/XXXX those credits were taking back. I called to ask why. I was told I was found responsible for the charges. How? Why? What happened to only reaching out if more info was needed by avant from me. Avant wouldnt even know if I had a police report. They never asked. The never asked if I called vendors and got any photo or camera footage. Avant has left me completely in the dark. Avant has also lied to a XXXX  complaint answer. When I activated my card its clearly says zero percent liability. By federal law, I am only entitled to pay 50 dollars. Because the card was used In Person not online. Avant refuses to discuss this personally with me. Because they know they are doing a wrong. On top of this I am trying to rewrite my equity line on my home in which I have XXXX children. I now have to wait until I can clear this up to do that. To note in the three months before this fraud happened I used this card once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Subject : Blue Print Fraud, Fraudulent Appraisal, Predatory Lending Fraud They forged my name and did shoddy paperwork. 
They sold my loan and did not make me aware of it. 
They market my home for more then it was worth deliberately. 
The mortgage loan officer make promises he did not keep we ended up have an interest only mortgage which we did not know.. 
They did not let us bring in our own inspectors in to the home they told us that we have to use there inspectors. 
They gave us a XXXX/XXXX mortgage with would include a home equity loan which we where unaware of.

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 2021-09-27
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: Information belongs to someone else

Complaint:
Transunion has just reported a delinquent account in collections original Company XXXX XXXX, with debt collection company XXXX. This is NOT my account. I was a victim of fraud and spent countless hours removing two other collections accounts that were not mine. I tried to go through Transunions online dispute and their website continues to be down or not functioning properly. I have previously filed fraud reports with the FTC. This is not my account. It needs to be removed from my credit report. 
My two addresses have been for the past 9 years. XXXX XXXX XXXX XXXX XXXX, CA XXXX and most recently XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived where XXXX XXXX XXXX cable accounts and have not opened a cable account in my name within the past 10 plus years. This is NOT my account. 

I have attached my theft report that was filed with the FTC originally as 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 2015-08-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Late fee

Complaint:
I have been a Chase credit card holder since 2007. I use this particular credit card sparingly, pay my account in full every cycle, and do not carry a balance. In the midst of a difficult pregnancy, a move, and significant home renovations, this XXXX, I lost track of my calendar, and unfortunately paid my Chase credit card balance ( again in full ) less than 24 hours late ( my payment is due on the XXXX, and I paid online the morning of the XXXX when I realized what day it was XXXX. I called Chase immediately, and they were able to waive the late fee. Today, XXXX XXXX, I woke up and ( after another bout of morning sickness ) I realized the very same thing -- I had thought today was the XXXX, but it was the XXXX. I immediately went online and paid my statement in full : {$55.00}. I again immediately called Chase Credit Card Services to explain the situation, and they informed me that they would be charging me a {$25.00} late fee ( nearly 50 % of what my actual statement balance was XXXX and that they would be unable to waive it. I explained that I was a customer since 2007, who reliably paid my balance in full, which they acknowledged after reviewing my account ; and that I would choose to close my account and use another credit card if they refused to extend me the courtesy of waiving the late fee. Even after speaking with a supervisor, I was told that no one had the power to waive the fee ( which I can not believe is true ) and that I should go ahead and move forward with closing my account ( all over {$25.00}, which is silly from a XXXX dollar business 's end ). Ultimately, I was charged {$25.00} for the privilege of borrowing {$55.00} for less than 24 hours more than permitted. I think that this is an unreasonable business practice in light of the fact that the balance was only {$55.00} and that the payment was less than 24 hours late. Other credit card companies ( e.g., XXXX XXXX would waive this fee in light of the circumstances. I feel that I was treated unfairly and inflexibly given the circumstances and my history with the company. This is not how a company should treat its long-time customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Wellsfargo continuously misapplies payments and proceeds to charge late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX21 a deposit for a Trucking company asked for a deposit for a moving trucking company for move on XXXX to XXXXXX/XX/XXXX-21, the trucking company failed to service Van. I was advised a refund will be issued with 7-10 business days. I have not received my refund as of date. The XXXX  and the FTC was givin a claim against XXXX XXXX XXXX XXXX. It was stated to contact My bank which is Chase Bank. They will not help with my refundable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low.

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 2016-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Wells Fargo on XXXX XXXX, XXXX. This was n't the first application. I had submitted a previous loan modification the early part of the year but Wells Fargo ' representative declined receiving most supporting documents I had submitted. I then decided to hire a law firm, XXXX XXXX, to help with the process. The representative with XXXX and XXXX submitted a complete loan modification package to Wells Fargo on XXXX XXXX, XXXX. On or about XXXX XXXX, she started to inquire about the status of the application, Wells Fargo 's representatives gave her the run around just like they did me. In the package the representative submitted she listed my gross income to be {$6500.00} per month and provided supporting documents accordingly. Eventually, Wells Fargo submitted a denial letter, listing the reason for the denial as insufficient gross monthly income of {$3500.00}. The amount they listed is {$3000.00}. less than the gross amount we listed on the application. 

I am requesting that Wells Fargo send a letter explaining the reason for listing the incorrect amount. Also, to correct the information and send a letter of approval based on the information the representative at XXXX and XXXX already provided. 

I have submitted a Notice of Error to Wells Fargo. I am attaching this letter to this correspondence

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 2015-12-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ASC, the servicer arm of wells fargo, denied a loan modification without notice. Moreover, its reasoning - that we did not comply with a fall XXXX requests for documents - is incorrect. We provided responses to their most recent request in a timely fashion on XXXX XXXX, XXXX. ASC never advised us that the response was inadequate even though it acknowledged receiving the documents. However, when we spoke with ASC in early XXXX XXXX to follow up on XXXX XXXX submissions, ASC said the application was denied because we did not respond. More specifically, in our XXXX XXXX submission we answered the request for a lease from the tenants as follows. We provided an explanation that our client 's tenants do not have a lease. Further, we reported that the borrower/homeowner did not want to ask the tenants to sign XXXX because she is fearful they may ask why and she does not want them to know she is in foreclosure and perhaps trigger non-payment of rent by the tenants. ) Moreover, the borrower/homeowner provided bank statement showing the deposit of the rent as well as a schedule XXXX on her XXXX tax returns showing the rental income. The later is an appropriate way to document rental income under the HAMP Guidelines. Finally, ASC asked for a profit and loss involving a contributor who lives in the household. We pointed out in our XXXX XXXX submission that the contributor is a XXXX earner with no outside business or earnings. 
As stated, we never got a denial letter form ASC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2021, I submitted a wire transfer from my Wells Fargo savings account to XXXX XXXX for the amount of {$17000.00}. On XXXX XX/XX/2021 I contacted Wells Fargo and spoke to XXXX who filed a dispute/claim after I told him I needed to stop the wire because the item I was purchasing was no longer available. Today XXXX XX/XX/2021 I spoke to XXXX in escalation and she said there were no notes attached to my claim stating that anything has been done with the claim yet. I asked to file a formal complaint and speak with an executive with the organization. Ive yet to receive a call to discuss my issue with Wells Fargo. Im asking the Federal Reserve to please step in and hold this bank accountable to perform its duties and track the wire transfer down. Ive provided all the information they needed to include the account/routing number to the account it was sent to. I also provided the name and phone number to that account holder who is more than willing to assist in making this right. Ive spoken to that individual and nobody has made contact with him from Wells Fargo. XXXX XXXX  where the wire was sent has also stated Wells Fargo has not contacted them. Thank you in advance for your assistance in this matter.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: MI
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 XXXX account # 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 explanation
Consumer complaint received 2015-12-27
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2015 I disputed a Optimum Outcome {$400.00} debt with XXXX due to no knowledge of the debt and it was removed from my credit report. In XX/XX/XXXX I then disputed the same debt for the same reason with XXXX and it was not removed. I never received any documents to verify this being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/21 ; I sent a certified letter to the XXXX and Equifax disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, Equifax and XXXX both use a third-party source to verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XX/XX/2020, as the COVID-19 pandemic was beginning and I was impacted with job and pay issues, I immediately contacted the Lending Club and asked for assistance with deferring my payments. On XXXX XX/XX/2020, they approved my request due to being impacted by COVID-19 pandemic and at the same time, they reported my account as being delinquent to the credit bureaus. This is unfair and inhumane treatment. When the world is being impacted by not being able to work and families are struggling, its bad enough that I had to reach out to request assistance due to being impacted, but to have the account reported immediately as delinquent when I have been reaching out for assistance from the beginning is unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXX/XX/XXXX. 
AMEX XX/XX/XXXX They were never authorized to check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute with Transunion on XXXX and uploaded documentation -- including a letter from the IRS showing that a {$3600.00} lien was WITHDRAWN and should be REMOVED from my report altogether. On XXXX I received the results of their supposed investigation and discovered that TransUnion had failed to remove the lien and other negative items that I disputed. I 'm trying to buy a house and Transunion 's failure to investigate is causing me financial harm and distress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receiving repeated phone calls about a debt I do not recognize or owe. The person calling refused to identify themselves and was trying to solicit personal information and continued to communicate after asking for written correspondence and refusing to acknowledge the debt. 

Issue has been resolved and despite there being no debt owed, collector insists on calling and speaking over in what I deem an aggressive and markedly threatening tone. 

This type of harassment is unacceptable and unwarranted. 

Did not feel comfortable continuing the call and ended it when person on the other end of the line continued to raise their voice and keep talking while asking questions about a debt I do not owe or recognize. 

Asked for written correspondence after refusing to acknowledge or validate the debt and person continued to speak over and ask questions loudly. Felt extremely threatened -- a stranger calling asking questions about personal information and refusing to identify themselves lest those questions be answered then proceeding to talk loudly about a debt one does recognize or acknowledge then continuing to speak at a more rapid pace despite a request to end the call with said stranger or request written correspondence is quite overwhelming. 

Felt the direction of the call was getting increasingly obscene and truly unaware of who this person is or was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
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: Public record information inaccurate

Complaint:
On XX/XX/21 ; I sent a certified letter to the TransUnion and XXXX disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, XXXX and TransUnion both use a third-party source to verify 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