BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo is reporting a charged off account on my credit which I did n't even know I had. I recently found out about a card on my credit report that has charged off last year. I never received a phone call or notice from them one time. I saw it on my credit report recently and immediately contacted them. I have not used the card nor did I know of its existence. I am unsure if my ex from years ago did this and if so it is her responsibility but I did not sign for this card that I can remember. 
If I would have received a call or notice on this account I would have handled it at that time. How was an account opened in my name? This has affected my financing of a home and I was forced to pay this debt to move forward even though I do not owe nor have I used the card.

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 2017-09-06
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I originally looked up the phone number of NAVIENT online on my computer. XXXX XXXX is who answered my call. I asked him why my recent statement from NAVIENT did not reflect my past payments. He stated what I needed was a new loan, that decreased my capitalized interest debt to better cover my loan. He said he could do the paperwork, submit it, and deducted {$790.00} from my bank account. This was on XX/XX/XXXX. 

I later received a letter from NAVIENT, dated XX/XX/XXXX, stating that my NEW loan was denied because I was not within the 90 days of my re-up date on my PRESENT loan. I then called XXXX XXXX again to straighten this out, and get my money back. The number for XXXX XXXX first went unanswered. I called his number repeatedly. On the last two attempts, I reached a voice mail asking me to leave a message ; which I did. The recorded message said I had reached XXXX XXXX XXXX. This is the third party administrator who does all of the loan paperwork. 

When I first spoke with XXXX XXXX, I thought I was speaking to NAVIENT. That was the phone number I had called to start with. He looked at my NAVIENT account, he had all of my information in front of him, he should have known that I was not within my 90 day window to change the terms of my student loan. If that was such a deal breaker why did n't he just say that in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: DE
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX 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 2017-09-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XXXX XXXX, XXXX I went to 3 JP Morgan Chase Bank branches in XXXX, Ohio to cash a refund check from Ohio University from my federal student loan. Chase has an account with XXXX University and their name is on the check. The first branch i went to was XXXX, XXXX XXXX XXXX. XXXX, Ohio XXXX. I gave the teller 2 pieces of picture IDs which was my Driver 's License and an employment ID and I endorsed the check with my signature on the back right in front of the male teller. He did not ask me for any additional ID but he asked me did i have an account with Chase. I told him no and i was willing to pay for the check cashing fee which was {$8.00}. He log on to the computer and told me the computer was not working and he could not cash it and then he stamped endorsement cancel on the back of the check. I left and went to a 2nd branch located in XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This branch cashed my last refund check from Ohio University a couple months ago. This time when i tried to get the check cash there, the female teller refused to cash it and I was told by an male employee that the amount was too high. The staff also requested a stub for the check which i gave to them. Then the staff told me to sit down and wait while they make a phone call, then they motioned me over to a desk and told me they couldnt cash the check because the computer was not working and ask me did i have any more identification. I took my id information and the check and left. 

That is when i called Consumer Financial Protection and gave an account of what happened. The first 2 calls were accidentally dropped but the 3rd call wasnt and i spoke with a lady and told her what was going on. She suggested i file a complaint online. After i hung up with her, i went to a 3rd Chase branch located at XXXX XXXX XXXX. XXXX, Ohio XXXX. The male teller told me that the amount on the check was over Chase 's limit. He told me to wait while he called for approval. After he called, he told me, he couldnt cash it because it wasnt approve. I left that branch and went home with my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Real estate county property taxes were due in XX/XX/2020. XXXX XXXX states they paid them {$2300.00} from my escrow account. I Received a call in XXXX from the assessor 's office stating they were never paid and now are delinquent.I call my mortgage company and they stated they would take care of it and they said they paid them {$2300.00}. Now the mortgage company is asking me to reimburse my escrow account for {$2500.00} for the shortage in my escrow account or my house payment will increase by {$210.00} per month. I can not afford this and I feel like someone is lying to me about the payment of my taxes and fraudulently taking the extra funds from my escrow account. Please help me so I do not lose my home.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-09-06
Company: Merchants Acceptance Corp
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I SET A SETTLEMENT UP WITH THE COMPANY TO TAKE CARE OF THE DEBT, THEN I CALLED TO CHANGE THE PAYMENT AS I REALIZED I DID NOT HAVE ENOUGH MONEY TO COVER THE ORIGINAL SETTLEMENT. THEY AGREED TO TAKE THE LESSOR AMOUNT. LATER IN THE DAY I REALIZED THAT THEY HAD TAKEN BOTH PAYMENTS FROM MY ACCOUNT A TOTAL OF XXXX $ I ONLY OWED THEM XXXX FOR THE SETTLEMENT. THEY HAVE NOT RETURNED THE MONEY TO MY CARD YET AND HAVE NOT CONTACTED ME TO LET ME KNOW WHEN THEY WILL RETURN THE MONEY TO ME. THE EXTRA MONEY THEY TOOK WAS PART OF MY RENT. THEY ALSO REFUSED TO RETURN THE XXXX TO MY CARD AND SAID THY WILL ONLY RETURN THE SMALLER PAYMENT OF {$600.00} EVEN THOUGH THEY PREVIOUSLY AGREED TO TAKE THE SMALLER PAYMENT. THEY HAVE ALSO SENT ME THREATENING LETTERS SAYING THEY WERE GOING TO SUE ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.

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 2022-08-05
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

[ 15 U.S.C. 1681s2 ] ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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 2022-07-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage is preventing me from paying my mortgage electronically with no communication as to why. I usually pay by the XXXX through their app but the system displayed a message that read this Loan can not make payments using the mobile app. I tried going to the website and by auto pay via phone. All of which prevented my digital payment. I am current on my mortgage and there is no indication why. Not even a message that says please call us to discuss your mortgage. Last month they charged me a late fee of XXXX dollars, which I spoke to someone about. I signed up for auto pay but had an issue so I ended up paying manually the full amount before any lateness. I asked for a credit of the fee speaking to a rep who said i need to fax my request in writing? Who has a fax machine these days. I asked for an email address, which I was provided and sent my request and I received zero response. I have to take my time today to speak with someone during my vacation. They also increased my escrow despite me having a regular history of paying extra into my escrow. This mortgage company seems to do what they want. Their marketing seems consumer-centric. Their practices are not however. I will call the mortgage today, but chose to file a complaint, because I am unhappy with their poor of communication. Poor in the sense of zero communication or weak responses to questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It 's blocking from enabling external applications

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 2017-09-06
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello,

Thank for your time.  On Friday XX/XX/XXXX attempts to transfer funds to two of three accounts held at Etrade Bank.  Upn not being able to transfer funds either by ACH (check) or Direct Deposit i phoned customer service.  The rep stated the accounts were in the process of being closed and refused to provide any explanation for the closures, and also wouldn't provide a supervisor whom could more insightful explanation of the situation.

With phone calls to the customer service dept. who refused to provide  any explanation or answers as to why the company abruptly closed and blocked the accounts I found the accounts open online through the online banking site end of the company.

From the Online banking site, a request as follows:

START----------->
Sent: XX/XX/XXXX XXXX XXXX
Reference Number: XXXX

Customer Service Message:


Dear XXXX XXXX,

Thank you for your message regarding your account.

At this time E*TRADE has chosen to no longer do business with you because there has been abuse of this account and known fraud. As a result this account will be closed. 

Should you have additional questions, please feel free to respond to this message or contact our Customer Service team at XXXX (+XXXX XXXX). Our representatives are available 24 hours a day, seven days a week.

Sincerely,

XXXX XXXX
Sunday - Wednesday XXXX - XXXX ET
XXXX (XXXX)
Associate Financial Services Representative
E*TRADE Securities LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some random XXXX debt appear in my credit score saying it went to collection. I have NEVER been a client of XXXX XXXX XXXX I was a victim of identity thief when XXXX had their security breach and this was how they got my identity. This debt is not mine and is ruining my excelent credit. My name is XXXX XXXX XXXX and I live in Illinois, I haven't even been in the state where this debt is coming from. Please fix this as soon as posible because I will be in the process of buying a property and this will hurt my chances of getting it. 

Please contact me via email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been paying on this loan for years and since XX/XX/XXXX all of the payments I have made are going to interest and late fees. I have had the same balance due since then. I called them last month to find out why my balance has not changed and they said it was due to setting some payments to the end of the contract. Since XXXX of XXXX I have paid more than what the monthly amount was and asked them to put that towards the principle and they have not. Last month when I called to make my payment they said the amount due was {$380.00} which I paid. That shows that I have been paying more than the loan amount otherwise it would have been more. My car payment is {$570.00} per month. A couple of examples of my payments .... XX/XX/XXXX paid {$910.00}, XX/XX/XXXX paid {$700.00}, XX/XX/XXXX paid {$700.00}

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 2022-07-15
Company: EQUIFAX, INC.
State: TN
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 have several account that are in violation of my write. I do not want the company to reinvestigate because they keep getting the same information which is not correct. FCRA you must report accurate information. However I have dates that are not write. OPEN DATE, CLOSE DATE, MONTHLY PAYMENT, DATE OPENED, BALANCE, PAST DUE, PAYMENT STATUS, CREDIT LIMIT. 


I, XXXX XXXX is tired of constantly asking for the same reinvestigation. My information is not correct on each Credit Bureaus and that is a violation. The company must provide accurate information to all credit Bureaus. Each information must be the same. However, with my report there is so many conflicting information I have high lightened. In the comment section it states it has meet FCRA requirement for investigation how is that when information is still conflicting and some account do not belong to me. I the consumer and a natural person, am aware of all rights that I have, and which are protected by the CONGRESS under the Fair Credit Reporting Act ( FCRA ). The list of account below has violated my Federal Rights. My federal rights protected consumer right to privacy and confidentiality under 15USC 1681. NOW IS NOT THE TIME TO UPDATE INFORMATION YOU ALL HAVE DONE THAT BEFORE SEVERAL TIME AND STILL FAILED TO GET IT RIGHT. In addition it took 47 days to get a response from each credit breaus.

Company response to consumer: Closed with explanation