BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XX/XX/XXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XX/XX/XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XX/XX/XXXX with this document ( https : //www.irs.gov/businesses/small-businesses-self-employed/understanding-a-federal-tax-lien ). This link also traces to the First Quarter Income for XXXX dated XX/XX/XXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XX/XX/XXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$1.00} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$3.00} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XX/XX/XXXX.  There should be a discharge for all properties effective XX/XX/XXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I redeemed points and received two ( 2 ) rewards cards from my credit card rewards program. Upon several attempts at trying to use them at different stores I contacted Elan Card Services and informed them of the issue, to which I was informed that the cards can only be redeemed for XXXX products and services. I explained that in the description it only says physical cash card and does not clearly state that it can only be used for XXXX products. I no longer have a use for XXXX products or accessories. The redemption center engaged in a deceptive and fraudulent practices as it lead me to believe that the card could be redeemed for all merchandise. They sent me a letter saying that all redemptions are final and the I am stuck with {$200.00} in rewards cards which I can not use. Any assistance with this issue would be greatly appreciated and the language should reflect that the cards are for XXXX products only. I was not asking for money or points back just to trade for cards that can be used at any merchant or the equivalent gift cards for other merchants.

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 2022-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at Wells Fargo! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card Companies. 


When something went wrong with that checking account at Wells Fargo- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!

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 2019-10-21
Company: Byrider Franchising, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a customer and have an impeccable payment history with JD Byrider. My car was totaled and I was given a new one by Byrider. They insurance paid the value and I was asked to pay the rest. I did. They refused to give me the car I paid for. Regarding the new car, I have made the payment payments on time. I have to call each time to make the payment. Many times I call no answer I have to call back. I called last Friday and no answer. I called Saturday a d the manager refused to accept my payment asking why t did not call on Friday. I told him I called and he said they were busy and I should have called back so he will reposes my car, even though I am not behind in my payments. Also from the start and during the last conversation I informed him to put my card on file for automatic payments he refused and wants me to call. I have a job and work and can not call every Friday, whilst at work. I don't owe and he said he will put my car for repo 's by refusing my Friday payment o. Saturday when I got a hold of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: National Enterprise Systems, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I began receiving phone calls from this phone number ( XXXX ) XXXX - looked it up on line ; XXXX XXXX XXXX - XXXX XXXX. My Credit is wit showing no debts owed via all XXXX credit reporting agencies. I have voice mail - there are no voice mails left. Just persistant calls at XXXX AM. 

XXXX has helped me in the past with eroneous claims of my having vehicles- which I have none. I do have a person that was using my address and has never lived here before ; and this person has used my address for Minnesota Vehicle License and Title. I contacted the XXXX with emails - they validated that this person uses this address, and I am not on any vehicle title or license. This person also using my address has a vehicle loan using this name- the loan originator was contacted as well on this anomoly. 

The call # is validated with XXXX- no spoof call. I doubt they are reaching out to tell me they have money to give to me. If this company can stop contacting me- it would be greatly appreciated. Looking this phone # up - there has been no communication via any correspondence - and these calls stated XX/XX/XXXX and XXXX of XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

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 2019-12-31
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid the remaining outstanding balance on my CashNetUSA line of credit and requested that the account be closed permanently. 

The company refused stating that it could not be closed due to auditing purposes. I asked for my line of credit to be reduced to XXXX, they refused for the same reasons. The fact that they refuse to close my account is making it difficult for me to close on a home due to underwriters requiring that this account be closed. 

I feel this is both predatory as it is an attempt to trap me with this inferior credit product. Also, a company can not keep an account open for me for any reason when I have no further debt to them - this is also unlawful. 

The account does not need to remain open to satisfy auditing purposes - this was a blatant lie as well as a ridiculously absurd claim. I requested for the account to be closed with my credit line cancelled immediately and to receive written notification thereof, and CashNetUSA refused. 

Please help because as I stated earlier, this account is holding up the underwriting on closing my home loan. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Incomm Holdings Inc.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
my colleagues and i each received {$500.00} prepaid visa debit cards. Upon trying to use mine, it had already been " hacked '' and used at what appears to be an east coast grocery chain ( i live in Hawaii ). i reported the theft to vanilla gift cards, and filled out the proper paperwork to document the theft. i was told to expect 45-90 days ( I sent it in XX/XX/22 ). It has now been over 90 days, and vanilla gift card is no help. 2 of my other colleagues also had there money stollen too. This is a major problem, and vanilla gift cards isn't doing anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Reuesting that experian remove all my XXXX, XXXX late payment while i was in forebearance. 
I need the late information removed. it was unfair to be reported as late. 

forebearance rules say, no late or miss payment would be reported as late while in forebearance per the gov't issued rules to any of the 3 reported credit agencies. 

I was granted forebearance from all of XXXX to XXXX, then loan modification review period from XX/XX/XXXX to XXXX of XXXX. 

I was just granted hardship by XXXX XXXX, I had filed back in XX/XX/XXXX, that the co-borrower died of XXXX. I had been asking for relief until end of XX/XX/XXXX. 

Was told by XXXX XXXX, Loss and mitigation dept. they are overloaded with request and did not have time until now to offer me hardship, it was an overview. 

My Loan modification to begin with New Payment of {$2500.00}, it is being changed from {$2800.00}.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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 the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/21 I bought a paintball gun on XXXX and I disputed the charge of {$830.00} because the gun was not working and I got scammed by the seller selling me a broken piece that is not usable. Wells fargo gave me my funds back then sent it back to my account. I was apart of a scam and fraudulent activity on XXXX. My account was over-drafted and wells fargo still charged my account. The seller would not take the item back and even promised to return some broken parts to me but never did.

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 2022-05-03
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Navy Federal Credit Union is violation of the following : 1.15 U.S. Code 1681s-2 1. Responsibilities of Furnishers of Information to Consumer Agencies.

a. My consumer report should be noted as " UNDER DISPUTE ''.

2. 15 U.S Code 1682g Validation of debt ( a ) ( 3 ) ( 5 ) ( e ) a. Through proper validation NAVY FEDRAL CREDIT UNION would acknowledge that they do not have an instrument or documentary evidence with my wet signature.

3.15 U.S. Code 1681c Requirements relating to information contained in consumer report a. Navy Federal Credit Union has begun the tactic of re-aging my consumer report so that they continue to make negative remarks regarding payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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 AM VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO EXPERIAN AND WHEN I CALLED EXPERIAN I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN EXPERIAN OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.

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 2022-01-22
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from Professional Account Management on behalf of the XXXX XXXX  and XXXX XXXX to collect a delinquent debt of XXXX. The letter stated that I had a toll violation on XX/XX/XXXX. When I contacted Professional Account Management the first customer representative placed me on hold and hung up. I then called back and spoke to XXXX who informed me that I had XXXX debits with the XXXX XXXX and XXXX XXXX for not paying a toll balance. I explained to him the error with my transponder and informed him that the error had been cleared up with the XXXX. I also explained to him that a payment in the amount of {$18.00} was mailed to them on XX/XX/XXXX. I then requested to dispute the debt and requested validation of the debt. XXXX refused and stated that he did not have to send the debt back and demanded payment. I referenced the Consumer Protection Laws, but he still refused to assist me. I informed him that I was filing a complaint with the CFPB and at time he changes his tone. I am not sure if they will validate the debt and worried about a false debt being placed on my credit report.

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 2021-07-22
Company: EQUIFAX, INC.
State: WA
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:
This Mortgage was supposed to be protected by the CARES Act and was supposed to have payments paused during the pandemic. My other mortgage had the payments paused, but this one didn't even though I called them, requested it and was approved. I have reached out to them and they acknowledged it was a mistake, but they have yet to fix it on my credit report. Now it's reporting late and I have no way to refinance and pay off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello I have touched base with Guaranteed Rate to try and get my Year End XXXXXXXX for loan for account # XXXX. Guaranteed Rate were the original lenders and servicers of the loan before passing it on to another bank. I was told the statement will be in my online account. I am assuming this is the same online account as the portal that I used for loan servicing. I am looking for the Year End XXXX. Please provide me my XXXX. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I just moved to XXXX and joined as a roommate in an apartment. The existing person was moving out of the city, so I took over the flat. He asked me if I would like to take over the existing the XXXX internet account. I just said him to please check for the information about transferring the account. The next day he told me that he was able to talk to the customer care and the account was transferred smoothly. Same day in the evening I got notification in the XXXX XXXX that there was a hard inquiry from XXXX. The next day I got one more hard inquiry from them. I called and asked them, how they can run a hard check with out my consent and from where did they obtain the SSN? They did n't answered properly. I asked them to immediately disconnect the services ( as they are not fair to me ) and remove the hard checks. They said it will be removed in a week, but till now the issue is not solved! Every time I call and explain the problem, they simply push me to other departments and I end up wasting my whole day on this. Finally I called the XXXX XXXX integrity department and after a long complaint, they suggested me to write a letter with all the details and gave me an address and a fax number. When ever I am trying to fax them all I get is " No Answer ''. - XXXX is not having any integrity - They do not care to step out and solve an issue - If they do n't know, they simply push to other department and wash their hands - In my case, they are not supposed to process the request with out talking to me - They can not access my SSN and do a hard check without my consent - When I called them and reported them the issue, they had the opportunity to correct their procedure and system - They are simply running away from their responsibilities - When you can not protect the confidentiality of an individual, do n't take their SSN and do hard checks Please find the attachment of the account confirmation email from XXXX and the XXXX report of hard inquiries.

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 2017-05-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had started service with this Equifax to monitor my Credit. When I called on the  XXXX  of  XXXX   2017  to cancel my service the  Office w as closed. On Monday the  XXXX  I called to cancel which was done. All access was cancelled on that day. On the  XXXX  I checked my wife 's account, and they 've charged her account {$19.00} which caused an overdraft fee of {$35.00} from her bank. We submitted an online dispute the day that the fee and charge posted on the account. Today the bank denied the dispute because they had already charged my Account. I reiterate that I have no service with them, and can not access the Product that I am being billed for.

Company response to consumer: Closed with explanation