BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am assisting my aunt with a short sale on her home. Her loan is being serviced with a company called Select Portfolio Servicing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ). She has been working to get this resolved since XXXX of XXXX, and has now submitted her 3rd offer. All XXXX offers have been equal to or greater than the XXXX value. Everytime an offer is submitted my aunt is required to send new documents. Everytime we call and ask if all information has been received, and they say yes. Then we call back for a status and they state they need someting else. Then the original documents expire and we have to submit again and reapply. We keep going in circles. After we lost the first XXXX buyers I called and complained to the Ombudsman office. They assured me that this time would be different and that they had everything needed. However when I called in for status, they again are asking for something additional that was not requested initally. We are getting no where and now time is running out as foreclosure is moving forward. We have a current cash offer for fair market value and we can not get an answer. The current XXXX is going to expire on XXXX/XXXX/XXXX and they still have not submitted the offer to the investor. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a XXXX entry from Chase Bank stating " suspected fraud '' from 2012. I dispute this claim. I am not able to open checking accounts or receive a debit card from any institution due to this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CITIBANK, N.A.
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 noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2015-07-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a notice of this collection or was offered the right to dispute this debt. I was denied credit before realizing this false information had been reported on my credit files. I requested validation of this debt and was ignored. LVNV Funding continues to falsely report this account as an open revolving account and re-age the account to purposely damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Foris DAX, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Today, XX/XX/2021 I opened crypto.com app. I signed in today and got it registered. I had to put my debit card information so I can purchase dogecoin. I however did not proceed with the purchase. I checked my account and they charged me XXXXcents. this crypto site never disclosed that It will be charging my account to setup crypto.com. They have violated this and not anywhere in the beginning mention that you will be charged any fees. The only fees I would think they will charge if I purchase any bitcoins. This is a fraud. Please investigate

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 2021-04-02
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
RE : XXXX  This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX andXX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XX/XX/XXXX.

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed.

2. There was never a delinquency, however, XXXX XXXX XXXX  has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XX/XX/XXXX and XX/XX/XXXX.

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively.

4. XXXX XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I sent and email to Capital One informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Capital One reflecting as an authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Yes, My father banked with Pentagon Federal Credit Union. At the credit union he had several accounts XXXX money market certificate accounts, credit card and a share account. My father passed away XXXX XXXX, 2015. His estate is currently in probate and I 'm the executor of the estate. Pentagon Federal Credit Union will not close the accounts at the bank due to the fact my father had a balance on a credit card statement. Also the accounts are payable on death accounts with a beneficiary. They stated my father signed a credit card agreement stating they have the right to take money from other accounts to pay the debt. When my father passed away in XXXX the account was in good standing, it was not in default. I told them that they could place a claim against the estate and the estate would be responsible for paying the debt. I 've attached a copy of the credit card signature card and the membership disclosure. My question are listed below:1. Does the passing of an individual automatically make any debt by that individual in default? The debt in question is credit card debt. 
2. Does the credit union have a right to leave an account opened after requesting that it be closed after a persons death so they can make monthly withdrawals from the account ( s ) to pay on credit card debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo, where I 've held a business acct for 12 years, is holding {$1000.00} of XXXX of my deposits made on XXXX XXXX, XXXX until XXXX XXXX XXXX. 
The original check was for {$6000.00}. They released {$5000.00} after 2 days but will hold the remaining {$1000.00} for 2 weeks. I asked why and was told " Oh there are many various reasons like where the check came from, the amount of the check, any problems with the account, etc '' I have had this same client for 12 years and have deposited his checks at Wells Fargo for 12 years. Why, now, are they holding {$1000.00} of a deposit for 2 weeks. My client told me the bank already withdrew his money from his account. How do they have the right to give me NO DEFINITIVE ANSER? The girl at the bank shrugged her shoulders and said " Sorry for the inconvenience ''. I do n't believe it. They already have a history of using depositor 's money to open fraudulent credit cards. They refused to release the funds even though they already have the money taken from the bank that issued the deposit.

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 2016-02-24
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Military XXXX XXXX XXXX move. We could n't sell the house so we leased to own. The leaser stayed for 6 years and left the home in poor condition. We are not able to continue payments or fix up the house to sell. We are currently in a review for mortgage help based on SCRA. In the mean time, our past due pmts are being reported and our hard work to build credit has been quickly taken from us. We pay on time and are good citizens. Now because we serve our country we get to deal with this. I am sorry we ca n't make the payments on the past house and our current house. I wish we could. If we did n't have to move, I would 've done everything I could to take care of our obligations, and I thought I was. Now we are stuck receiving minimal help and poor credit. Embarrassing!

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 2021-04-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company is reporting to XXXX on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

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 2021-04-01
Company: COLLECTION SERVICES OF ATHENS, 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: Old information reappears or never goes away

Complaint:
Agency has refused to send verification. Account was removed by previous collections company and has now reappeared.

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 2021-04-01
Company: EQUIFAX, 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:
I want this REMOVE XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$110.00} XXXX XXXX {$1200.00} I have already disputed, filed a CFPB complaint against this company these companies as well. THEY CAN'T EVEN FIND MY SOCIAL IN THERE SYSTEM. YOU HAVE INFORMATION LISTED ON MY CREDIT FILE THAT DOESN'T BELONG TO ME. I NEED SOME ACTION TAKEN PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
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 a co-signer on my son 's student loan. During the consolidation process Well Fargo advised us not to make a payment, and that a late fee would be assessed. After the loan was consolidated, I called to have the late fee reversed it was not. The inclusion of the late fee caused the principal balance and the minimum payment to be greater than it otherwise would have been. I have been repeatedly promised that the error would be corrected. It has not, the inclusion of the late fee causes all future payments to be incorrect as well. In addition, there is no way to set up automatic payments, or access account information without my son 's permission even though I am a co-signer on the loan.

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 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion allowed the same collection agency named XXXX XXXX XXXX to put the same charge back on my credit report for {$180.00}, after I had submitted proof to them of my Identity being stolen through an official Identity Theft filing with the CFPB. The company tried not to disclose their full legal name on my credit by just adding an " S '' at the end of their name instead of writing out XXXX XXXX XXXX, therefore, which made it difficult to officially research the company. I have never had any dealings nor do I have any knowledge of this company and charges. As reported to Transunion, in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am a victim of Identity Theft. A copy of filing is 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 explanation
Consumer complaint received 2017-03-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This account is with JPM Chase and they have the wrong information on my credit report and do n't recall this account at all! They have placed negative account on my credit report and it 's reporting " LATE '' but CLOSED! It 's stopping me from buying a house! In addition ; NONE of the dates on this account could be correct as my loans were not with JPM Chase. 
Here is the account information : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I pay all my bills through Wells Fargo bill pay process. My XXXX XXXX XXXX was due on Sunday, XX/XX/XXXX. I scheduled my electronic payment to come out of my account on Thursday, XX/XX/XXXX. It was not delivered until XX/XX/XXXX ; resulting in a {$27.00} past due fee. I have a couple issues with what happened. - Funds were removed from my checking account on XX/XX/XXXX - XXXX XXXX processes payments on Sunday, but Wells Fargo does n't consider that a business day. 
- My payment has still not cleared XXXX XXXX on XX/XX/XXXX and I received a past due fee. 
- Electronic payments should not take 3 business days ( especially since it 's been removed from my account ) to be processed from another on-line bank. 
- This is the 2nd time my due date as fell on a Sunday and caused this issue ; but overall - I think the debiting of my account prior to a payment clearing is questionable and the time it takes to make an electronic payment is too long. I do have the option to pay an additional fee to make it go faster. 

I did not have this issue with Wachovia ( prior to them becoming Wells Fargo ) and I also am aware other banks do not take money out of your account, prior to the check clearing - it also should n't take 3 " business '' days to send an electronic payment. I spoke to XXXX different representatives and did get agreement that it did n't make sense that the process took so long to send an electronic payment ( not needing to create a check ). 

I 've also opened a ticket with XXXX XXXX to see if there is an issue on their end, but based on my conversations with Wells Fargo - I believe the issue is with the delay in their processing of bill pays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a letter from my bank 'Chase ' that advised that on XX/XX/XXXX the bank made a decision to close my account but advised no reason at all. I immediately called the bank the next morning and called my branch to figure out what was wrong as I have never done anything wrong since I have had this account, I was actually enjoying the features overall. The representative told me on the line there is nothing they can advise and that there is nothing I can do and Chase will no longer do business with me forever. I thought this was a joke, I called my branch and spoke with the guy who helped me open this account in XX/XX/XXXX and he said the account is in 10 closing status, he transferred me to security who advised that they have the information why they closed my account but I am not allowed to know it and I told him I did nothing wrong I have been a great client since opening I mean I have my direct deposit in the account and everything and he said 'nothing I can do, you can get your money out and try another bank ' and then hung up. I am just shocked that I was closed without an explanation, I know a bank has a right to close an account at any time but atleast give me a reason so I may resolve it. So after spending an entire day and calling over and over I was advised that my account was closed internally and I will be listed as a Suspected Fraud Client with Early Warning Services. I am just shocked beyond belief when I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Wells Fargo Bank. It require that the property insurance be paid thru the mortgage. I of course was n't told this until after I paid my insurance in advance for 1 year. The policy is paid in full until XXXX 2016. Wells Fargo continues to withhold a monthly amount and hold it in an escrow account. I have talked to them until I 'm blue in the face, and can not get this resolved. 
Will you please help me? 

Every time I try to reason with someone there, I get a form letter telling me I can not get my request because of some of rule they have. Nothing is ever posted to warn their customers in advance so we do n't waste our time. Wells Fargo has the most dishonest business practices I 've ever encounter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have an XXXX XXXX card through dillards. The orignial company that own this card was XXXX, and they have sold it to wells fargo. I have made all my payments on time up until XXXX, when I tried to activate my credit protection benefits and wells fargo the new owner of the card is telling me thy do n't offer that service but I paid every month on my statements for it. I ' experiencing a financial hardship in my life and need this beneift activated. I have called wells fargo and someone was suppose to get back to e regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. NET CREDIT - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX*** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXXn XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have XXXX inquiries on credit report some from XXXX more than once a day. I have sent letters to Equifax letting the know they are not mines but remain on report. please have them moved.

Company response to consumer: Closed