BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
due to the coronavirus i contacted my mortgage company and they said they will waved up to three mounts but after that they want it full. and will not put in on the back end what good is to help people. phh mortgage co. in new jersey i just want a modification to stay current. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account Holder : XXXX XXXX Amount : {$14000.00} I was informed my endorsement was not my endorsement on my deposit from XX/XX/2020, therefore my mobile deposit was rejected. I connected with the online banking services on XX/XX/2020 and was informed I will have to wait until the rejection notice arrives to my location, but once I receive the notice I will have to go into a branch and deposit the check in person so the bank can verify my endorsement and they will be able to make the funds available. I also called on XX/XX/2020 to confirm the procedure. Once I got the confirmation on how I must proceed, I went to the local branch in XXXX XXXX, FL XXXX  XX/XX/2020 and deposited the check as instructed. 

Now Wells Fargo states they can not deposit my check. I am not able to deposit the check given XXXX XXXX and XXXX XXXX are in lock down. In need my money and this bank has messed with my finances during a crises period.

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 2016-07-19
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a new citigold account with the promotion below. 

Citibank Citigold Checking is offering up to XXXX XXXX XXXX XXXX bonus miles with promo code XXXX good until XXXX XXXX, 2016. In order to get the maximum XXXX bonus XXXX, you must open a Citibank Checking Citigold Account Package, set up a bill payment for at least XXXX consecutive months, and make at least {$1000.00} in debit card purchases. 

Called multiple times and getting the runaround. Getting charged monthly fees for waiting on miles to be credited to my airline account. Multiple times no communication from citibank. Please help.

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 2016-12-15
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company had paid our property taxes in full on XX/XX/XXXX for the XXXX tax year with money from our escrow. In XX/XX/XXXX they pulled out a second payment for what would have been the second half payment if we were paying in two installments. The county received the overpayment on XX/XX/XXXX and promptly returned it to the broker the mortgage company hires to send out payments. This money has never been returned to our account and it is 5 months later. They have raised the escrow amount on our payment every month by {$600.00} trying to compensate for this missing money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: U.S. BANCORP
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
US Bank is charging late fees in the amount of {$200.00} after XXXX grant brought mortgage current and was processed by US Bank XX/XX/ 2022. I called US Bank and representative stated that between time of working with XXXX and the payment that fees assessed. This can't be true as late fees would not have been assessed within a months time working with XXXX to payment and even if so would not be that significant a fee during processing time. Since payment by XXXX brought loan current, my first payment is due XX/XX/2022 2022

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 2016-03-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I tried to dispute Name ( s ) associated with your credit on Experians website and it would not let me delete names that were not associated with 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new account at Charles Schwab, a checking account with debit card and checks, as well as a XXXX account on XX/XX/XXXX. I transferred XXXX XXXX dollars into my checking account and they locked my account without any warning text, no email, no phone call, no nothing. Just a message when I try to log on saying my account is on na security lock and to call customer service. Now a month later, still no access to my account or my money. Every time I call, they say they can't tell me anything, it should be 2-3days. It ; 's been a month, I need access to my funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I received a copy of my credit report with the intention of trying improve my credit and take care of my responibilities and notice a few accounts that i wanted a little more explantation on, According to Fair Reporting Credit Act by law i have a right to challenge the validity of this inacurrate Falsely reported account 15 USC Sec. 1681b ( a ) Ive notice they cant provide soiid proof validating through lexus nexis, innovis, sagestream XXXX never contacted the alleged creditor, 15 Usc 15 Usc Sec. 1692g ( a ) ( 1 ) ( 2 ) they never provided proof CFPB please assisit me with XXXX removing these fraudellent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've never had XXXX. The services were turned on without my knowledge or consent. I 've been fighting about this bill for a long time now. Previous to speaking with ERC I had been dealing with another agency called XXXX XXXX. I told XXXX XXXX that I was disputing the bill, XXXX XXXX deleted the trade line from my credit on XXXX/XXXX/16 but then on XXXX/XXXX/16 I found the account re-reported by another agency, ERC. I called ERC today, XXXX/XXXX/16 and let the rep I spoke to know that I did n't get a first notice, she confirmed they had part of my address incorrect and confirmed will resend me a letter. I do n't need a " balance due '' notice, I need a validation notice showing me where I can dispute this account, and how I can obtain validation of this debt. The rep I spoke to told me that Yes I can dispute this account over the phone and she confirmed that my dispute will be forwarded to XXXX for their review, however she told me that a request for validation must be made in writing. Again, I do n't have a first notice so I 'm unable to do so until I get that. At this point, I am beyond frustrated with XXXX and these collection agencies. This has greatly affected my credit and no one has been able to prove to me that it 's my debt. I do n't understand how/why these agencies can report this to my credit and pursue me for a bill that they can not prove is mine. I 'm going to hire an attorney if XXXX wo n't permanently delete this from my credit and stop billing me for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX ( Original Creditor : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX ( Original Creditor : XXXX MULTI-SPECIALTY GROUP ) XXXX Balance : {$760.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX CO XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

TRANSUNION 11 XXXX  XXXX  XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX ACCT # XXXX {$2900.00} ALL INQUIRIES XXXX  XXXX ACCT # XXXX {$1900.00} XXXX  XXXX/XXXX  XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX  XXXX ( XXXX ) {$1900.00} XXXX   XXXX  XXXX  ( XXXX  XXXX  ) ACCT # XXXX {$610.00}

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 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the past 3 years, I've sent multiple disputes and complaints about a fraudulent account on my credit report and Experian failed to remove and assist me with this fraudulent account.

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 2015-04-21
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX. 
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list. 
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. 
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use. 

Problems with initial call I received:1. Deceptive phone number usage. 
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. 

I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX the following partial Account # s have violated my rights. 
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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I made XXXX purchases using my Wells Fargo credit card almost 2 years apart. Both purchases was supposed to be 5 years no interest. On this statement Wells Fargo changed it from 5 years to just over 3 years

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 2022-04-13
Company: EQUIFAX, INC.
State: LA
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:
FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX 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 FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX XXXX XXXXXXXX FRCA Violation hard inquiries 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 FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Federal government said there will be no more interest rates do to covid-19 but my bank Wells Fargo is still charging interest and I even asked them why they still charging interest if the federal reserve and federal government said no interest rate do to covid-19 they told me they havent heard anything about that I told Wells Fargo its all over the news and internet and I told them my wifes credit cards from her bank and other credit cards she has they sent her a letter and it said there will be no interest rate so to covid-19 so why is Wells Fargo still charging people and everybody else bank is not

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX 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 FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation credit card XXXX XXXX  FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX 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 2020-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I went onto the Experian site to obtain what I thought was a {$1.00} credit bureau report. Suddenly, I found out later that they tricked me into buying a monthly credit tracking service. I never intended to order this product. Nor do I believe it was made clear on Experian 's web site that I was ordering this service. Upon learning what happened after the first monthly fee appeared on my credit card, I immediately cancelled the product and demanded a refund of the one month fee of {$21.00}. 

The customer service rep and his supervisor refused to give a refund over the phone. I was asked to submit a written request, which I did, and was subsequently again told they would not refund the money. I can not accept this. I never wanted the product. If it was written somewhere on the Experian site, it was done so subtly that I did not notice it. I feel they tricked me into buying the product and spending this money and now you will not refund it.

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