BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We had a fire at our home ; received the check from the insurance company and it was made out to my name and Wells Fargo. The local branch said we had to sign the check and send it to Property Loss Dept. in Ohio, they also said that we had to furnish them with a pay off quote from the home equity dept. and sign it ; the local branch overnighted the check but we had to wait to send the letter because a payment was due so we had to wait again to submit the info so I had to call home equity again to get a pay off figure, I faxed it to property loss and they told me it takes 2 days to verify a fax! another week I called again and they told me they ca n't honor the verbal quote I need a fax from home equity dept. I 've had numerous phone calls placed and the loan is still not paid. It is XXXX XXXX and the last call was that the fax was forwarded to the dept. that will expedite this but I still do n't have answers as to when this will be paid and when we will receive the rest of our money that they are holding in an account. Can you please help us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX called my presonal line then my work # stating to call XXXX and reference case XXXX that action will be taken against me. They should not be allowed to call my work number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: GA
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:
In XX/XX/2020 I had to get a loaner vehicle from XXXX because my car was being repaired. I had to present a card for any incidental damages. I have attempted to call Citi over 5 times and each time sat on hold for 1-2 hours with no conclusion due to being placed on hold indefinitely when asked to speak regarding my dispute. 

The entire {$430.00} should be reversed. XXXX provided no documentation of me committing to the insurance because I didnt sign anything. Please advise with this being the case how am I liable for this balance. When I escalated this in writing they did no investigation and continued to side with the vendor though they have no documented proof and now are threatening to report negative marks to my credit file

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 2020-04-16
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2. I asked for the original contract bearing my signature. 3. I asked for the payment history and last payment date made on this account. 4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from Bureaus Investment Group Portfolio NO 15 LLC. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Update ReportXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear CFPB and Mr. President ObamaI have sent a complaint to server officials and received the same response from ASC every time. My mortgage Company ( ASC ) has sent the same papers repeatedly to you. The questions that were asked were never answered. 

1.Was I a victim of Predatory Lending? 

2.Was and am I being treated fairly? 

Those questions were avoided, with a hold lot of papers, on this is how the loan was given to ASC. Does anyone check into these situations to find out the truth or do we just bury it in more paper. I was referring to the XXXX loan. Not the collection agency/ mortgage company ( ASC ). I was expecting an answer. I do not have anymore money for a lawyer. They messed me up in papers too. My sister is on SSI. Since I made the complaint in XX/XX/XXXX. I have been sending papers to ASC to get this modification. Papers to prove my income, my sisters and my nephew income. The last paper ASC requested was a letter explaining what the abbreviation ( Allot ) on a pay stub meant, It 's allotment. I was promise a lower payment, not a lower interest on the same money. They would n't even refinance. That is why I need to know after 8 years of payments, if this loan was a loan that they anticipated to fail, and with all our saving with it. 

On XX/XX/XXXX, I was told that the modification was denied due to the fact that our loan only accepts XXXX modification pure loan. I asked why did they put me through 8 months of paper work to say that. Requesting all that paper work for what. XXXX XXXX XXXX said that we could reinstate our mortgage, put what I owe on the back of the mortgage, and start paying it. XXXX XXXX XXXX ( my worker ) told me that I have to pay {$50000.00} to reinstate my mortgage. I have to do a short sale or deed of lieu or just foreclose. XXXX XXXX stated that I ca n't be helped. I do n't qualify for none of the government loans or programs. I want to keep my home. This all started when the roof needed repairs and they refused, due to my one-month late mortgage. It does n't seem fair for a company to mislead you and leave you homeless after 9 years of payment and harassment. If there is anything else that I can do please let me know. 



Thank You for all you tried to do. 
If there is anything more let me know XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: MN
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:
( 1 ) XXXX, Equifax, and XXXX  ( " the Bureaus '' are credit reporting companies. 
The information that they obtain which is actionable under the FCRA is from credit furnishers. 
( 2 ) In XXXX, I disputed information about a bankruptcy being reported by the Bureaus. 
( 3 ) XXXX resolved the dispute by stating " verified by the United States District Court. '' This statement was patently false. As a matter of law, federal courts neither furnish nor verify personal case or bankruptcy information to credit bureaus. 
( 4 ) On XX/XX/XXXX, I submitted a " dispute '' online with XXXX  and XXXX  stating that since federal courts do not supply or verify information to credit bureaus, the Bureaus either never verified the accuracy or obtained the existence of the public record through a data source.

( 7 ) This circular process violates my right to accurate reporting by the Bureaus and their opaque but intentional disregard for the FCRA and related doctrine. 
( 8 ) The irony is that I provided the Bureaus, via certified mail, copies of my bankruptcy for the purpose of the Bureaus deleting three accounts by XXXX that are labeled " education loans '' but were determined by the federal courts to not be exempt from Chapter XXXX discharge. The Bureaus ignored the bankruptcy documents, since then these agencies found it not strange that XXXX has changed the status on the challenged accounts about six times in the last 7 weeks.

( 9 ) The CFPB has failed its duty to protect consumers against crafty Bureau policies that side-step federal law out of allegiance to corporate data furnishers. These Bureau tactics have a sweeping impact on interest rates, our nation 's economy, and have cost me tens of thousands of dollars in interest and overpayment for goods due to the rating of these Bureaus.

( 10 ) The CFPB should undertake a joint study with Congress on how to minimize Bureau abuse and avoidance of responsibility for their meaningless dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CITY NATIONAL BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is about my CNB XXXX XXXX XXXX Credit Card. I was charged the annual fee in XX/XX/2019, then CNB sent notice to me announcing that they are cutting the card benefit significantly. I called customer service to close the card and asked for a refund for the annual fee. The credit card is closed however there is no response to my request for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Student loan with Wells Fargo constantly calling me from different numbers to collect since at least XXXX 2015. They also constantly call and harass my cosigner, and now they 've called my boss 's PERSONAL cell number. I do n't know how they even got that number! I called them today and told them to immediately remove my boss 's personal cell number from their call list, to which they say they will comply. If Wells Fargo does n't call my cosigner and I every day, they call at least every other day, sometimes multiple times a day. They also call after XXXX CT. Only number that comes up in reverse lookup is XXXX. Other numbers they 've called from are private and not listed but include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my annual credit report i noticed errors reporting on my credit file.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: MD
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:
Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, XXXX  and Experian. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!

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 2020-04-19
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL Lexis Lexis, XXXX, XXXX, XXXX XXXX. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX A payment was made to my credit card for the full amount which at the time was {$1000.00} from someone unbeknownst to me. On XX/XX/XXXX I made a payment of {$300.00} to my credit card like I always do through my bank application. After checking my statement the next month I see the payment that was made from the other party, a refund for the {$300.00} payment I made and a few charges for requesting a refund and making a payment over the phone of which none I requested or did. Apparently the {$300.00} payment I made was refunded to the person that did the other payment the day before and they payment for the full amount they did over the phone was declined. I called my credit card company they claimed that It all came from me, which it didnt. I didnt have that amount of money in my bank account nor do I ever pay my credit over the phone, so they opened a case, then after a few months denied it demeaning me responsible for the changes. I called again they opened it again, I received no answer. They said I should send a letter and my bank statement since they are saying it all came from my bank account so I did all of that, still no answer. I did it to show them that there was no charge for {$1000.00} and also no refund for {$300.00}. Im losing out on {$300.00} and a year worth of interests on those {$300.00}. And the credit card company keeps giving me the run around even though I follow their steps. I havent use this credit card since and have asked them to not allow any other ways of making payment but by the bank application so that its known its me making further payments in any case this happens again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13
Company: CONTRACT CALLERS INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I conducted a serious of disputes regarding suspicious negative items on my credit report in XXXX and the items pertinent to the disputes were deleted. I distinctly remember a fraudulent charge under {$200.00} that was attributed to an address at which I did not reside-one XXXX XXXX at XXXX, TX. Incidentally, following the resolution of the dispute, a department at the XXXX of XXXX referred the " deleted debt '' to an agency called " XXXX XXXX XXXX '' The item was already deleted as the dispute demonstrated that the debt was unfounded and not mine, yet it is being reported once more. I contacted Contract Callers Inc and spoke with a XXXX XXXX, who stated explicitly to me that the company is unable to suspend the account on-file with their office to begin an investigation of sorts to get this matter resolved without obtaining my address to provide me a fraud packet. As I understand it, despite what she said to me, a police report is not needed to move forward with such claims, nor is a company obligated to use a 'fraud packet ' as the sole basis for an identity theft investigation. It was an aggression and deceit that which the collections representative XXXX XXXX employed to obtain personal information from me despite the fact that as a victim of identity theft, I did not feel comfortable giving a company unknown information after already having to use my SSN as self-verification. The information she provided regarding the procedure is untrue just as much as the company is wrong for seeking the fraudulent debt that which has already been permanently removed from consumer reporting agencies.

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 2020-04-16
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018, I tried to transfer {$2500.00} to my friend, XXXX XXXX, through PayPal. Transaction ID XXXX PayPal locked her account and now the money is just stuck in her fund. She can not refund it to me because the exchange rate made it XXXX XXXX lower than the original amount I sent her. We have tried everything with PayPal to get them to release the funds ; it's been over a year and still nothing. 

At this point, she just wants to refund the money to me through PayPal and be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called the original vendor of this debt. It was an urgent care facility in XXXX Texas. Someone went into this company and had a visit. They used my name and my information. I have not lived in Texas in over 12 years and was not ever in Texas during this visit. I have sent a fraud notification to the XXXX. There were several other entries at one time that they used my insurance and name. I had many removed over the years. Now it seems as though this debt collection company bought this debt and now they are trying once again to hammer my credit. I sent them the correspondence from previous debt collectors on this. I asked them to send what vailidity they had twice. XXXX and again in XXXX. They have not sent me anything. I disputed this on my credit report. They continue to disregard my pleas. I sent this letter in the mail again asking for validity..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
wells fargo allowed my at that time wife to obtain a credit card in my name with a credit limit of {$6000.00} and account ended up with a balance of {$8800.00}. this has had a bad effect on my credit for 10 years helped cause me to lose the ability to change mortgage companies, get refinance and continued to raise my mortgage payment knowing I was stuck in that position with their company.

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 2020-04-16
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to resurgent capital, they are reporting to all three bureaus. .I beg to differ, as they are not on my XXXX report. Please see attached. Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2019 5 items were removed from my credit report by a company called MCNEIL & MYERS XXXX On XX/XX/2019 the very same five that were removed were reinstated onto my record. 

*Reaging*

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, 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:
I provided Statements from the Credit Card company showing the date of my first delinquency ( in XX/XX/XXXX and another in XX/XX/XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XX/XX/XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XX/XX/XXXX and XX/XX/XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.

Company response to consumer: Closed with explanation