BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage made a double payment out of my escrow on XX/XX/XXXX and XX/XX/XXXX to pay for my homeowners insurance causing my escrow to go into the negative. XXXX XXXX only has a record of 1 payment posting on XX/XX/XXXX. I am now missing {$1000.00} from my escrow due to this double payment. I have notified them via their Secure Message site on XXXX and on XXXX submitted a Notice of Error on their Secure Message site by which they must respond timely as required by RESPA. As of the evening of XX/XX/XXXX, I have still received NO response from this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am very concerned and alarmed XXXX accounts show up more than XXXX times on my consumer report and is inaccurate and are not validated. I have tried several times to contact XXXX in which they always respond they will correct and remove this but never do. 

I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite several attempts at disputing a collection account with XXXX XXXX XXXX, they continue attempting to collect an account for Synchrony Bank. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.

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 2016-05-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We successfully completed chapter XXXX XXXX XXXX. Contacted Wells Fargo to take over loan payments and was told the loan had past due amount of $ XXXX. I got and compared their transaction history ( {$83000.00} ) to trustee payment history ( {$88000.00} ). I sent certified letters to them on XXXX and XXXX and have since made XXXX phone calls to their California bankruptcy department and the issue is still not resolved.

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 2019-08-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the second time, upon attempting to log into Navy Federal Credit Union's website to pay my auto loan a few days late, I've been presented with a sparse webpage that claims that I've been put into delinquent status, locked out of my account, and told that I must pay both this and next month's bills, all at once, to regain access. This is untrue; clicking through a small link lets you view your accounts, and to also view the actual amount that is late and due. To a casual observer, however, it would appear that one must pay twice the expected amount! This is misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, I am writing this complaint on my own behalf - there is no third party involved. On XX/XX/XXXX, I received a written statement from Capital One addressed to XXXX XXXX XXXX for an alleged debt. I am filing this complaint to further validate this alleged debt, and identify who the original creditor is connected to this consumer credit transaction. I do not consent to the allegation of reasoning behind why XXXX XXXX would be receiving statements, until the proof of validation for the full disclosure of this debt is provided. On XX/XX/2022 I have sent a Validation of Debt Letter and Cease and Desist letter to Capital One to receive LAWFUL VALIDATION behind this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in multiple complaints in regards the these accounts. Equifax flat out refuse to prove or make sure that my accounts are 100 % accurate! The employees and supervisor I spoke with gave wrong information and refuse to look into these reoccurring complaints that were never solved! Delete these Accounts ASAP!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Garvens ( Mo ) 281 SW715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Please delete the following accounts DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF EDU XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: WELLS FARGO & COMPANY
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells fargo was included in my bankruptcy and they are still reporting negative as well as a balance every month.

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 2016-10-24
Company: Hodosh, Lyon & Hammer, PC
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
20 years ago, while attending college I opened some credit cards. Last year I purchased a home, and resolved all credit issues at that time. Since then, I have been receiving numerous mailings from random collection agencies. 
Upon arriving at work today, a coworker signed paperwork from a constable to garnish my wages. 
I called the Attorneys representing the collector, whom in my opinion are actually collection agencies! I believe this is harassment and I 'm so upset, that I can not perform my work today. 
the harassing attorneys office is HODOSH LYON & HAMMER LTD, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had an out standing debt with Wellsfargo Bank and they just went into my savings unwilling and collected all of my savings leaving me in a financial hardship. They sent me a letter explaining why they did so I never knew they can do this. Their reason for doing this was called " right to set off ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These companies NCO financial, NCO group and XXXX call my house continuously all day long. They never leave messages. I have to shut my ringer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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:
I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were unauthorized transactions done on my account that were not authorized nor done by me because I was in the hospital from XX/XX/2022 to the current date. My personal belongs were stolen during that time. I submitted supporting documentation showing this and they refused to look at the documentation and denied my claim. There were 3 claims created. 
{$1100.00} {$3500.00} {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During my bankruptcy case Navy Federal had me dealing with one of their Vice Presidents, XXXX XXXX, to make my monthly payments. When my bankruptcy dismissed ( I made all my payments on time but the Chapter XXXX Trustee in XXXX is crazy ) I called XXXX XXXX and pleaded with him to let me keep my home. XXXX XXXX told me that he would work with me as long as I kept making my monthly payments. I have done this religiously including making a XX/XX/XXXX payment. 
Despite my good faith efforts I got two letters from Navy Federal indicating they were putting me in default and accelerating my loan unless I come up with $ XXXX by a date which has already passed. 
I 've also received a federal home loan modification and as stated above have made a payment in the last 30 days. I am current through my XX/XX/XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was unfairly charged for overdrafts on an account that I didnt have overdraft on. The last activity on the account was I withdraw {$20.00} more then what was in my account at an atm and they charged me an overdraft fee plus the {$20.00}. I tried to close the account however they wouldnt close the account until I brought it out of the negative. A few monthly later I received a letter from Wells Fargo crediting my account back the overdraft fee and the {$20.00} in the total amount of {$70.00} that I currently owed bringing it back to {$0.00} and closing my account. Well it has been about a year and a half to two years and I just received a letter saying I not only owed the original {$70.00} now I owe {$170.00} and it was sent to collections. When I called they told me the overdraft was due to my second to last transaction where I sent a friend money on XXXX not the last transaction at the atm denied ever bringing my balance to XXXX or ever closing my account. They told me the new fees were for a monthly membership continuing to charge my account that I know will cancel the subscription before overdrafting plus my account wasnt charged In the months before the letter stating they closed my account and plus I was paying the fee from my new bank account. So they lied about me 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 2016-01-19
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Calvary XXXX XXXX received the COMPLETE debt payment in XXXX XXXX. They DID NOT give this payoff info to any of the credit bureaus. This resulted in me being UNABLE to ACQUIRE any CREDIT for the last TWO YEARS. They further lied to me and told me it was NOT their responsibility to report this payoff, and yet it was. They have INJURED my CREDIT WORTHINESS for TWO YEARS due to not properly reporting this info. 
When I spoke to someone at Calvary in XXXX XXXX, they did their best to throw me off onto trails of misinformation. Told me to call the courts, told me to call the other company, told me to call the other attorney ... a huge amount of nonsense, and days of phone calls and follow up, only to hear for the court and the attorneys that CALVARY was SUPPOSED to REPORT this PAID OFF DEBT back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2017 Allowing multiple hard credit report inquiries from one signed consent of XXXX XXXX XXXX. For signed allows XXXX consent, no others stated on form. XXXX additional hard inquiries had been added. California State penal code stipulates a consent is needed for each credit inquiry made as well as U.S. Code. I signed for XXXX XXXX only.

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 2017-01-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. Wells Fargo prior to these incidents admitted in United States v. Wells Fargo Bank , NA ( D.D.C. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, in XXXX 2016, Wells Fargo in the XXXX Wells Fargo & Co. Case No. : XXXX notified the United States District Court of Iowa that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, VA XXXX. Consumer is the legal owner of the land and the land deed is attached. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, have her put in jail and/or a psychiatric facility where she will be injected with XXXX and other contraindicated medications. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of Wells Fargo with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Quit Claim Deeds attached reserves all rights. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.

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 2021-09-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered a laptop in XXXX and I never received it. I told best buy that I didn't receive it and the tracking reflects that It was mis-delivered. They refused to help me so I filled a billing dispute with the Best Buy Store Card. After months of it being worked on they dropped the dispute by saying that my card was reported missing. I DID NOT call in and tell them that I lost my card by any means. By them doing this, they have mis-handled my dispute and effectively locked me out of being able to dispute the charge again.

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 2021-09-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report a bankruptcy in error on my report. This information has not been validated or verified. I requested validation and verification. Equifax sent their investigation results stating XXXX verified the information. That is not only inaccurate but also illegal to report inaccurate information per the FCRA ( Fair Credit Reporting Act ). I wrote to the US Bankruptcy Court and have a response from them stating that they do not report any information to any credit reporting agencies. Under the FCRA section 605 the law states the Bankruptcy Court has no jurisdiction over credit reporting agencies and doesn't report to them. 

I have a letter from XXXX stating no information is/will be reported to any other agencies. There is no way that Equifax investigated, validated, or verified any bankruptcy information as accurate. XXXX has done the right thing by deleting the error from my report because they were not able to validate or verify any information as accurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: GA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have been regularly paying off the medical bill to XXXX XXXX OF XXXX with an approximate current value of {$2500.00}. We pay $ XXXX monthly but always when we receive a bill. The original amount was approximately {$7000.00} which we have made a significant dent in since inception. We are now getting a collection bill from CALIFORNIA BUSINESS BUREAU , Inc. without even being forewarned that the outstanding bill would be going to collection. They called me at work and were rude and misrepresentative. We negotiated this arrangement with XXXX XXXX XXXX in XXXX when we XXXX got the bill after our son 's treatment, and they were aware of our circumstances and agreed at that time, last year to honor this arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation