BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: WELLS FARGO & COMPANY
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 submitted an application for a Balance Transfer Credit Card to Wells Fargo Bank, N.A. They responded that they were unable to approve my request because a Credit bureau report shows consumer status as deceased. They falsely claimed this information was provided to them by XXXX, which is clearly not true. Copies of Wells Fargo rejection letter and the XXXX report are being submitted herewith. The Wells Fargo form-letter is signed by the Credit Department and provides no contact names or addresses, only a phone number. 

As you can see, the XXXX report ( # XXXX ) says nothing about me being deceased. It also shows I have excellent credit. I certainly dont deserve to have false information reported about me, nor does anyone else who may have applied. The bottom line is the reason given for my rejection is false. It has nothing to do with XXXX, and everything to do with an error or incompetence or questionable practices on Wells Fargos part. I would pursue the application with them directly, but at this point, I have no desire to have their credit card or to do business with them. I just want to make sure they discontinue these practices of providing false information about/to future applicants and/or denying applications based on false information. I strongly resent that addressing this issue took a substantial amount of my personal time to check all my accounts for identity theft, fraud, etc.

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 2017-05-30
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX / XXXX / XXXX  We purchased a product called  XXXX  off a direct marketing infomercial. On  XXXX / XXXX / XXXX  they claimed it was for  XXXX  with 100 % money back guaranty. So we ordered it it wa s a 4 week  supply. We tried it  for two weeks.  It made my wife  XXXX .   We called the company they told us they was not going to honor the guaranty. So I called my credit card customer service. Advised me to dispute the charge. So they can correspond with the merchant foe me .so I did do so. The credit card company sent the merchant numerous requests to correct the issue they didnt respond to the credit card company request during the required time allowed. I received a response from the credit card company that they had made a ruling in this dispute case. And refunded my account from this merchant. They advised me that this issue was solved.  <P/> Now I have received letter from transworld system inc collections on  XXXX / XXXX / XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX  contact #  XXXX .   Requesting me to respond within 30 days. I tried to call the contact # and get a recording that this phone # is out of service Can pleas assist me in this matter  XXXX  and  XXXX   XXXX   XXXX  cell  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Has placed a collection account on my   XXXX   report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AMERICAN EXPRESS COMPANY
State: TN
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 received an email from American Express today, XX/XX/2022 that a new tradeline has been opened. This was not done by me. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please provide original copies of the contract with my signature on them, the same you utilized at the time of reporting these items and these alleged obligations on my consumer report. 

Please see attached.

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 2017-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with XXXX XXXX. I am also requesting a receipt of this loan, as well as please provide the note!

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 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
DID NOT RECEIVE MY 1099-INT FOR TAX YEAR 2019. CAN NOT FILE TAXES DUE TO BANK ERROR

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 2022-07-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
So XXXX XXXX and i am so XXXX, theyre giving us a hard time. So much effort, money and time. We are supposedly to be treated equally. We dont deserved these. 
On 1st week of XX/XX/XXXX, I requested and inquire about Loan Assumption since we have an FHA Loan, our mortgage is assumable per their office. They ( XXXXXXXX XXXX-Lakeview/XXXX ) sent the Loan Assumption Packet dated XX/XX/XXXX and was receive only on XX/XX/XXXX which need to be filled up, signed & w/ completed requirements, Within 30 days grace period and need to be submitted on or before XX/XX/XXXX. So i was rushing, emailed on XX/XX/XXXX and waited for more than month and has been denied due to XXXX missing legal document, which Deed of Transfer If i dont call them, we will never know what is missing, not updating us the status nor any progress of our application if i dont bothered calling them almost everyday, we are waiting for nothing. We have the right to be informed what is the progress or if we are incomplete even thru mail or email, Case Closed. 
So we asked them if they can open a new case. 2nd Case for Loan Assumption Packetmade on XX/XX/XXXX, received loan assumption packet only on XX/XX/XXXX thru mail. So, immediately emailed on XXXX again w/ registered from XXXX XXXX deed of transfer - transfer of ownership. We spent a lot of money, lawyer, docs & property tax. And we are definitely sure, we completed the application and again denied dated XX/XX/XXXX by calling them XX/XX/XXXX. Ive been asking them what is the reason, and no reason, they dont know., so inefficient, disorganized. This is my XXXX child sho love this home, we fought to win back this house from foreclosure. We got this home back to us again. Thru your help because we begging fir your assustance. 
We really really need your help. Please help us, whats is going on. 
Emailed again all dated 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 2017-05-30
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I contacted the CFPB back in  XXXX  or  XXXX  with problems wi th Sallie Mae. After you contacted them, they finally told me they did have a forbearance. Now, I still do not have a job. Every month they increase the interest. This month my interest sits on 3 loans : 10.375 %, 9.750 %, and 8 %. These interest rates are highway robbery, and every month they increase. How are students suppose to pay loans back? Student loans are meant to help students not destroy them. I am a single mother and struggling to get a job even after completing school. They make it to where I will spend the rest of my life struggling to pay back their loans. It 's only Sallie Mae that is highway robbery. My federal loans have been extremely nice and helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX  XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$2300.00} on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Coinbase that I opened through my XXXX XXXX using the Coinbase app. I found out that XXXX and Coinbase are linked within the same company and started my application for opening an account on XXXX as well. When I was at the stage of verifying my I.D . on XXXX, upon completion, I instantly received an email from Coinbase stating " Your USD wallet on Coinbase has been deactivated due to eligibility restrictions. '' I had and currently still have {$730.00} USD in the deleted USD wallet in Coinbase. I was able to locate the Deleted wallet and saw there was a withdraw button that should allow me to withdraw {$730.00} from the deleted USD wallet in Coinbase back into my wired bank account with XXXX XXXX XXXX. Upon trying to withdraw my {$730.00}, I received an email stating " Hi XXXX XXXX, A withdrawal of {$730.00} ( + {$0.00} banking fee ) has been initiated. {$730.00} will arrive in your bank account by XX/XX/2017. Although a bank transfer fee may apply, Coinbase does not charge a fee for this transaction. '' Followed by receiving another email simultaneously stating " Hi XXXX XXXX, On XX/XX/2017, you ordered {$0.00} USD via your payment method for {$730.00} USD. Unfortunately this transaction has been canceled. Although we try to avoid canceling transactions, in rare circumstances certain transactions can not be processed due to requirements imposed by our banking partners or other technical errors. If your payment method was charged, you will receive a full refund as quickly as possible. Coinbase will not charge any fees for this transaction. If you have any questions, please contact our customer support team. '' As of right now, I am not able to retrieve my {$730.00} cents out of the deleted USD wallet on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MY MORTGAGE WAS SOLD FROM XXXX XXXX XXXX TO CARRINGTON MORTGAGE AND SINCE XXXX 2015 THEY HAVE SENT ME CERTIFIED LETTERS THREATENING TO FORECLOSE ON MY HOUSE BECAUSE THEY SAID I MISSED A PAYMENT WITH XXXX XXXX XXXX WHEN I HAVE PROOF FROM XXXX XXXX XXXX THAT I NEVER MISSED XXXX PAYMENT WITH THEM AND I ALSO HAVE PROOF THAT I HAVE NOT MISSED A PAYMENT WITH CARRINGTON EITHER. I HAVE CALLED SEVERAL TIMES AND EACH PERSON I SPEAK TO TELLS ME SOMETHING DIFFERENT. I ASKED TO SPEAK TO THE SUPERVISOR AND THEY ALWAYS SAY HE IS NOT IN AND THEY PUT ME THROUGH TO HIS VOICEMAIL AND HE NEVER RETURNS MY CALLS. THIS COMPANY IS VERY SHADY AND UNHELPFUL AND I DO N'T KNOW WHAT ELSE TO DO TO FIX THIS. I REALLY NEED HELP TO MAKE THIS RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI is stating I owe a debt of {$970.00}. I repeatedly disputed this claim several times which was originally through a debt collector named   XXXX   XXXX   XXXX   and was deleted from my credit report and 3 months later AFNI added it back on. the reported information is incorrect. My services is with   XXXX   XXXX   and has been for over 3 years. I have never received any paperwork from AFNI stating I owe the debt or details of the debt, and they have failed to verified correct information. This false new activity from AFNI have caused my credit score to dr op over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent 4 notarized dispute letters to XXXX and Transunion via certified mail to dispute inaccurate information currently reporting on my credit report. 

Transunion and XXXX lost 3 out 4 of the dispute letters after receiving them via certified mail. This was my 2nd attempt to dispute the inaccurate information after both Transunion and XXXX failed to investigate and fix inaccurate information currently reporting on my credit. 

I'm attaching the statement I've sent to support my claims

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 2020-03-03
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reporting agency has not sent validation of debt after being requested on several occasions. The reporting agency does not own this debt, it was purchased 3rd party. The reporting agency is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Name is XXXX XXXX I am submitting this complaint on the behalf of myself without any third party or influence Please see attached exhibits as they state my concerns

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 2022-07-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Name is XXXX XXXX I am submitting this complaint on the behalf of myself without any third party or influence Please see attached exhibits as they state my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BARCLAYS BANK DELAWARE
State: TX
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 XX/XX/2021, Barclays XXXX XXXX by correspondence to me informed me that my billing dispute with ALL IN TICKETS had been resolved in my favor. Furthermore, to quote : " You will see a credit of {$560.00} [ the disputed amount in question ] on your next billing statement. '' From XX/XX/2021 to current billing statement, I have received no credit despite bi-weekly phone and written requests. Barclays XXXX XXXX continues to handle my request for the promised credit as another dispute case to be investigated, then " escalated '' to Dispute Center Managers without resolution. 
I am shocked that Barclays appears to have reneged on its promise of full credit in the amount of {$560.00} after resolving my billing dispute, withholding those funds promised to me in XXXX, XXXX, without further explanation. Barclays XXXX XXXX personnel seem oblivious to the patent facts of this matter, ineffectual in performance of the simple act of compliance with its own decision, in effect having stolen the amount of {$560.00} which rightfully belongs to me, by their own determination!

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 2016-09-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home through XXXX XXXX XXXX XXXX in XXXX 2016 and it was immediately bought by Freedom Mortgage. Freedom Mortgage then failed to pay my supplemental property tax bill from my escrow account that was due on XXXX/XXXX/2016. When I contacted them to notify them of the missed tax payment and penalty assessment, they said to email them the documents and they would take care of it. They immediately paid the tax bill, but also paid the tax penalty from my escrow account. 

When I called to complain that the tax penalty was due to their failure to timely pay the tax from my escrow account, they said they were not responsible for the supplemental tax payment but made it for me as a courtesy. The supplemental tax bill was issued months before I refinanced by home and prior to Freedom Mortgage purchasing my loan. In short, Freedom Mortgage bought my loan, failed to pay my property taxes on time, and then said I was responsible for the tax penalty for their failure to pay my property taxes on time.

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my XXXX XXXX drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

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 2016-03-18
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation