BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: SYNCHRONY FINANCIAL
State: AZ
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:
I have PayPal account made a purchase on XXXX  website paid the money month later received the items opened the package four of the items were missing immediately called them when home looked at items they said 2x but they were medium to small they had me takes pics which l have, PayPal says work with the seller which l did, but when PayPal does their Dispute lnvestgation that's when everything went wrong the seller agreed to refund my money l have all the emails stating that along with the tracking number for the returned items PayPal refused to return my money that l paid up front and denied my case l given them emails of all the communication between the seller stating that they were going refund my money., that they called the postoffice to confirm the tracking number and whe. It was delivered.

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 2019-12-11
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for an FHA refinance with Wells Fargo in XXXX 2016. The loan was approved, and we anticipated closing in XX/XX/XXXX. They send they could not close the loan in XX/XX/XXXX and charged us a rate lock extension fee. We then anticipated closing some time in XX/XX/XXXX, they again could not comply with this and charged us a additional rate lock extension fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We now have a letter from them with over {$7000.00} in rate lock extension fees and still no anticipated settlement date. We have been calling, e-mailing, regular mailing them and they have not responded in any way except to send additional rate lock fee extension agreements. We are now trying to have a new lender provide the mortgage but need the FHA appraisal assigned to them. Our loan officer at Wells Fargo has stopped communicating with us. We have tried calling, e-mailing, and mailing our loan officer, his processor, his supervisor and have received no response. We requested in writing that they assign the FHA appraisal to a new lender and they have not responded.

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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both XXXX, and XXXX XXXX XXXX have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.

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 2020-06-08
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job due to COVID-19, I have tried REPEATEDLY to get Automotive Credit Corp to defer or extend my payment which they refuse to do, I understand they don, t  have to but considering the situation I was hoping for a small break. They tried to repo my truck without sending me any notice of default, or right to cure. They will not work me in anyway. I spoke with XXXX and she would belittle me and was very rude. They have marked down payments that were never late, and one payment is for over {$900.00} for " not having insurance ''. I didn't even know they could do that.

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 2015-05-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, We are XXXX desperate family who struggles to keep our home from getting foreclosed. This horrible time had started when my income has being reduced from the recent recession we had in our country. As an XXXX, working on our own XXXX, Me and my husband suffering difficulties to cover all our payments, because our commissions were reduced. The cry for help was answered with multitude of paper trails, lost applications, missing documents, then expired documents, denial letters, offers to short sale our home, and now with a threat to foreclosure. We had no control over the financial crisis in our country, however, we hope that there is someone who can hear us. We want to save our home, please, help us to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We realized that Wells Fargo created an infant account on our home equity line and automatically was charging us the higher interest rate on our home equity line of credit. We did not sign anything agreeing to the higher interest rate and the infant account with the higher rate was not even visible when we logged into our account summary page. The lower interest rate showed on the home page of our account and the higher rate that we had been charged was only visible by going through a series of steps from the account summary page. This was very misleading because when viewing our account statement it read the amount of the parent account 4.25 % when we had been charged a rate that was 7.75 %. At 3..5 points higher than the rate in the parent account, we calculated that this amounted to over {$14000.00} in excessive interest charged. Wells Fargo took several months to review our complaint and determined " no error occured ''. They did not complete and mail the review until XXXX XXXX, 2015 although they had sent us a letter stating that they would complete their research and provide us with results on XXXX XXXX. We have all documentation. We also have XXXX emails to Wells Fargo Home Equity Consultants asking for options for lower interest rates during the duration when we were getting charged the excessive rate. We were told all 3 times that no better rate was available to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-08
Company: EQUIFAX, INC.
State: AR
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:
It APPEARS XXXX, EQUIFAX, AND XXXX ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX   XXXX & XXXX XXXX. XXXX, XXXX, AND EQUIFAX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION XXXX, EQUIFAX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER XXXX, EQUIFAX, AND XXXX  HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX is showing up on my credit report 2x. This is something that originated in 2013. I signed up for classes at XXXX and then withdrew. I never attended one class there. I was told I would not owe any money and I have been battling with this for two years now, I have written letters, contacted the school etc. they are now showing it has been turned over to a collection agency not once but twice. One amount is XXXX and the other is XXXX. I do n't know what to do I do n't owe XXXX bill let alone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: CA
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:
Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.

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 2020-06-08
Company: Conduent Incorporated
State: OK
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 received a credit card in the mail ( XX/XX/2020 ) to a company I have never applied to get credit to or applied to get any promotional offers or information. On XX/XX/2020, I called the number listed on the information sent through mail and the automated options do not allow me to speak to a customer representative ; the system will only allow for SSN or DOB, which is not information I want to disclose as I believe this to be fraud as I did not apply for a credit card. 

I have no way of getting additional information as the website is set up the same way in which one has to input personal information to get in touch with a representative. It seems this is a XXXX XXXX XXXX   card XXXX and by mail XXXX XXXX XXXX and website provided XXXX. https : //www.goprogram.com/goedcclient/pdf/Way2Go_Brochure.pdf I have never filed for any unemployment and any cards or prepaid cards in my name are fraudulent. My credit with all companies has been frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a wells Fargo customer for several years but my free checking account was never used, a teller pursuaded me to open one to save check cashing fees. One day after several months of no activity w/ my account I went inside to deposit a {$1000.00} check, I was told there was a problem w/ my account & was directed to an account manager, this guy was a complete XXXX, before anything was explained to me he was treating me like a comin thug very disrespectful, I started losing my patience with this XXXX then he blurted out loudly that my account is frozen due to being overdrawn, he said I will get a letter in the mail. So I left for home, checked the mail and to my surprise their was a letter from Wells Fargo that had a copy of XXXX checks each made for {$450.00} totaling {$900.00}, the name on the check was a XXXX from Alabama, the signature on the back looked like a woman signed it trying to cash them. What happened is some XXXX at Wells Fargo used my account XXXX to cash this XXXX from Alabama checks and my name is XXXX from XXXX Florida and my account number is nowhere close to this other guy, I have no clue how this could happen because I had no money in my account so how can they use it to cash somebody else 's checks? I have been up against a wall with these XXXX, I 've opened at least 5 fraud cases with Wells Fargo fraud department that always ends with " sorry we ca n't help you because it 's not your name on the checks '' they know this but it 's fine to use my bank account to cash this guys checks!! I ca n't even file a police report because the cops need more information. Wells Fargo has completely stone walled me, my name has been added to the fraud warning site, I ca n't open any bank accounts, it has damaged my reputation and has caused me much grief. This is a perfect example of why banks should never be to big look at how they treat people and GET AWAY WITH IT!!! I am beyond furious how incompetence runs rampant through wells fargo they should have to go through what they 've put me through, see if they act like it 's no big deal when it 's happeneing to them!!

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 2016-12-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We were trying to trade our current mobile home in on a new home and the closing attorney needed a copy of the title of our current home and was not having any success in getting it from Wells Fargo so they asked for my assistance. This process started in XXXX. On XX/XX/XXXX I contacted XXXX at my local branch of Wells Fargo in XXXX, SC on XXXX. XXXX told me it would take one to three business days to get the copy of the title. On XX/XX/XXXX XXXX called me to let me know he was working on my request and I could contact him if I had any questions. On XX/XX/XXXX I talked with an associate of XXXX who wanted to let me know he had to leave the office early. On XX/XX/XXXX I went back to Wells Fargo to see what progress XXXX had made and he told me that he was told it would take an additional week to ten days to get the copy. On XX/XX/XXXX. XXXX called me and told me to call the XXXX to get a copy of the title. I called the XXXX and was told that I could not get a copy because the lean holder was the only one that could get a copy. My case was turned over to a Home Equity Specialist named XXXX. I have had trouble getting XXXX to return my phone calls. She called me on XX/XX/XXXX while we were out. I tried to call her back on XX/XX/XXXX, twice on XX/XX/XXXX and finally heard from her on XX/XX/XXXX at XXXX when she told me that I needed a to get a DMV lean report. I went to the XXXX to ask for the report and they told me there was no such report. I was able to getan information inquiry which showed that my mobile home was still showing the lean holder as XXXX bank. XXXX was aquired by Wachovia who was aquired by Wells Fargo who did not update the information after the takeover. Wells Fargo said they only have a copy of the loan agreement. I tried to call XXXX back on XX/XX/XXXX to tell her what the XXXX told me and can not get her to return my calls. I tried to start the process over again by filing another request on XX/XX/XXXX. I started at XXXX and was given other numbers to call and transfered to to different departments ending up with the mobile home department and being put on hold and when a person came back on line i was told she could no longer help me and hung up on me. I have been hoping that I would recieve a solution by now but got another letter saying they would have a resolution by XX/XX/2017. Can you please help me get a copy of the title to my mobile home. I can provide Vin #, Vehicle ID and such information as needed upon your request. 
Thank you for your assistance

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 2016-12-29
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage states that PMI can be cancelled at my request at 80 % of LTV or the mortgage company has to cancel PMI at 78 %. My mortgage company has declined to cancel PMI despite having reached the 80 % LTV point. They claim an appraisal is required. I have contacted the loan originator ( loan has been sold ) who has confirmed that a second appraisal is not a requirement. My mortgage company has refused despite multiple phone calls and and requests in writing.

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 2015-10-21
Company: KEYCORP
State: CA
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:
I am submitting my request again since Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) continues to wrongly report a delinquency / non payment on my credit report multiple times for ONE student loan issue that was paid in full and resolved ( DUPLICATE reporting of same issue when it is just ONE issue ). 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. XXXX. The one account at issue was wrongly reported negatively under multiple account numbers when the issue involved only one Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation