BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On, XX/XX/XXXX, I was called by a woman from a company called XXXX XXXX saying that she worked out of XXXX XXXX and she was scheduled to serve me a summons the next day between XXXX XXXX but I could call and talk to the company that hired her at XXXX. She said that I should give them File # XXXX and they may be able to submit a stop order so she wouldn't come with the summons. 

Immediately following that conversation I called the number and spoke with a young lady who told me that I was being sued in XXXX XXXX for {$4300.00} by Wells Fargo. She was nice at first but then when I told her I was confused and didn't understand what it was about she got her supervisor on the line who initially was very rude. He claimed his name was XXXX XXXX and her name was XXXX XXXX from XXXX XXXX. He said he didn't understand why I was confused. He threatened and coerced me into providing some form of payment arrangement for a reduced amount of {$1400.00} or they would have to move forward with the lawsuit which would include all the fees totaling {$4300.00}. He said that it had to happen on this call or else. I'm embarrassed to say that I made arrangements because I was scared to death and they would not provide any documentation for the original creditor/debt. They went so far as to tell me even if I tried to call them it was unlikely they speak to me because the debt had been transferred out to their office. They said the bill was from another state and originally from XXXX which didn't make any sense at all. They finally agreed to send me a letter confirming our conversation but told me it would be from a 3rd party that handled all their payments and I shouldn't be concerned. The company name is XXXX XXXX XXXX. I will attach it to this complaint if I'm able to. They ended the call by saying if I had any problems I could call XXXX at XXXX. Since I was suspicious I looked up the number online and found that others have had the same thing happen to them - a fake serve company and all.

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 2020-03-15
Company: WELLS FARGO & COMPANY
State: WI
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:
cfpb id # XXXX I have tried to correct this issue with XXXX. XXXX still incorrectly reports this account as open and late. We had a car loan with Wells Fargo Dealer Services. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by Wells Fargo to XXXX XXXX XXXX XXXX to the satisfaction of Wells Fargo. This debt still remains on our XXXX   credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, XXXX  rejected the dispute. Now two years later, we are trying to have this removed from our credit report and XXXX  website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold. XXXX responded to cfpb id # XXXX and still cant get it correct. The {$6100.00} is not past due as stated on XXXX. It was written off. It has been corrected on XXXX  Confirmation # XXXX and XXXX. Documentation is available.

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 2022-07-19
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased 3 US Bank Visa Gift Cards. All 3 of the cards were properly purchased but all 3 are still not working. The receipt says Activation within 24 hours. I called US Bank Support ( XXXX ) on XX/XX/XXXX. They informed me to fax in the following : 1 ) Receipt 2 ) Front and Back 3 ) DL 4 ) Mailing Address 5 ) phone number to fax number XXXX. I did this and confirmed fax was delivered. I'm providing what I faxed in the attachments. 

I have called about XXXX0 times on various times on XX/XX/XXXX asking for an update as all 3 cards are still not working, but support number says they are busy and to call back later.

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 2016-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent several letters to Experian disputing items on my credit file that do not belong to me. The Inquiries was one of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to 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 2022-08-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Bread Financial Holdings, Inc.
State: FL
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:
XX/XX/XXXX amount XXXX. I went on line to book a room for my nephew, Web site for XXXX XXXX, XXXX FL. Clicked on button to book room, was suppose to be XXXX plus XXXX tax. Printed confirmation and amount showed total of XXXX. I immediately called number on confirmation XXXX XXXX XXXX XXXX which belonged to XXXX The person that answered the phone told me I could not cancel this reservation even though it says on confirmation free cancellation and I just booked 15 minutes ago. Basically they told me they already had the money and I was out of luck. I called XXXX XXXX and told the owner what was going on he said that he could not cancel because it was booked by XXXX. so now we have 2 players that say they booked one room. Then an additional XXXX service charge.This was a scam not sure if XXXX XXXX is involved or not. Did not use their room and did tell XXXX XXXX he would not be staying there. Not sure what their game is to double charge a reservation fee which I booked myself. It looks like reservation.com got ahold of booking.com and booked the room. I have been trying to get someone at Comenity Bank to help with this issue. They are rude, leave you on hold for XXXX hours and tell you they can't help. I still to this date have not had a letter stating they have declined or approved the charged. I have XXXX letters I have mailed and they always say did not receive. What is going on, is this a real bank. Their system is still down. Now they are putting on XXXX late charge and intreast. Stil have not received a letter telling me their decision. Please help. I read the reviews from Comenity Bank and it is not good!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA 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 2022-03-24
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: Account information incorrect

Complaint:
Experian is in violation of the FCRA the company knowingly reports the wrong information on my credit profile. Experian has a grave responsibility to report accurately on a consumers profile but they don't, I continuously sent in letter after letter and Experian keeps ignoring my demands as a consumer. XXXX XXXX child support is beginning reported inaccurate because per 15 usc 1681e ( b ) and 15 usc 1681 ( 5 ) this account is in violation not reporting 100 % accurate it list child support as the furnisher that's forgery and misleading when the courts do not report this type of account. XXXX XXXX is a account that's reporting inaccurate as well it is reporting a higher limit then what was issued I only had a {$300.00} dollar limit but its reporting as I had a {$800.00} limit and that's misleading and forgery as well. This has been going on for over a year now and something need to be done

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 2020-03-15
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We took out what we believed was conventional second mortgage in our home 15 years ago at an interest rate of 9.375. We realized it was a high interest rate but felt we had no choice as we needed a roof desperately.We have been making payments faithfully for that time. 
We received a notice today that a balloon payment of {$8000.00}. Is coming due! There is nowhere on our paperwork that defines this as being a balloon loan and was not presented as one at the time of signing. 
I would never have agreed to that nor paid such a loan for 15 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 2015-03-19
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage did not pay hazard insurance out of my escrow. Every year we have the same problem and I have always had an escrow account. Last year I had to change insurance because they did not pay with agent and insurance company and myself sending them the info needed, which they already had with the escrow account. Same thing this year and they send letter stating going to put forced coverage on property. Been trying to get resolved for over 1 month with agency and insurance sending dec pages and all info needed - should have been finalized sooner. From last Monday, XXXX XXXX thru Friday I have spoken with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX - the last XXXX being Mgr and Director, who told me they themselves would not have handled so well that there was no excuse and they would have handled more harsh than I have. They have all the phone calls I made and also my agent. The agent and the Insurance company have Sent XXXX dec pages and info needed this last week and all they had to do was get insurance Out before Friday, which they did not do. Info was sent, I called and explained insurance was cancelling if not received by Friday but they still did not get out until Friday afternoon, which was too late. Shellpoint has said today XXXX/XXXX/15 they have called and told insurance company was on the way there and got the tracking number. ..of course all after the fact so I still have to confirm that I have insurance. None of them could tell me why with all info being sent numerous times and all my phone calls it did not happen. All they can say is that it should not have happened and that it is unacceptable. Yet this happens every year and they have my escrow money, which is almost {$2000.00} Shelipoint has caused me to have to pay higher premiums. I have never dealt with such an incompetent customer service department and my agent has stated same. Insurance company could not Get response from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Thursday, XX/XX/XXXX Received a cashier 's check for {$1900.00} from a buyer of furniture I was selling on XXXX 's XXXX. I was suspicious of the check and attempted to call XXXX. They informed me they don't verify funds. Rather than do a mobile deposit, I drove to my local US Bank branch location. I shared the information with the tellers. They assured me the cashier 's check was legitimate and had the proper watermarks to indicate it was valid. They said it should post the following morning if, in fact, it was a legitimate cashier 's check. 

Friday, XX/XX/XXXX The deposit was posted to my account therefore from the information the tellers provided me the following day, I transferred via XXXX money to the buyer 's movers in the amount of {$1100.00}. Throughout the conversation with the buyer, I began to get an uneasy feeling and called the police. They advised me to file an internet crimes case with the FBI via XXXX and also file a police report. I did both and ceased any further money transactions with the individual. I advised the buyer he could provide an address for me to return the additional {$820.00} because I would no longer send any funds via electronic transfer. He began threatening me with physical harm so I blocked his number. 

Saturday, XX/XX/XXXX I phoned the fraud department of US Bank and advised them of the situation. They took down the information and said they would investigate. 

Tuesday, XX/XX/XXXX Received a letter from US Bank 's Digital Claim Services and was advised my claim was denied. 

Thursday, XX/XX/XXXX Phoned US Bank at XXXX to speak to the Fraud Department as to why my claim was being denied. The representative told me it was my fault I sent the money and there was no fraud since I initiated the money transfer from my own IPS address and had the proper login credentials to access the funds. 
I advised him that this was not in dispute if my transaction occurred. My fraud claim was based on the fact that the tellers at the branch location advised me the cashier 's check was legitimate and this information led me to process the money transfer of {$1100.00}. 
The agent then proceeded to tell me I was in the wrong for not correctly reading my terms of agreement when I opened the account and therefore there was no fraud. I asked to speak to a supervisor. He transferred my back into the phone tree system and my call was dropped.

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 2015-09-06
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification for almost 4 years now. First through XXXX XXXX XXXX, they repeatedly asked me for the same documents every business quarter. Specifically, bank statements, a personal profit and loss statement, and tax return copies. I did that many times for almost a year and a half, at that time I got a letter from XXXX telling me that my loan had been sold to a company called Shellpoint Motrgage company. That company just picked right up where XXXX left off, asking me for those same documents, bank statements, profit and loss, tax returns. I have supplied them to Shellpoint through an attorney I retained. I have sent those same documents for almost 2 years now with no loan modification, just more form letters. My loan is due to increase by almost double this month, my attorney has repeatedly tried to contact Shellpoint to get status ... .No callback, no email response from them to this point. I have not received any certified mail regarding status or disposition of my case. I am filing this complaint in hopes that we can work together to get Shellpoint to do my loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a PAY AS YOU member at XXXX XXXX  XXXX  back in 2015. As per sign up when I didnt want to use the facility anymore I could leave with out any repercussions. XXXX  XXXX  XXXX  sent me to a collection Agency MG Credit court. when I seen this on my credit I disputed them. In the dispute I specifically asked for original contract signed with XXXX XXXX  XXXX. They have yet to produce the contract. I continually ask them to remove their company from my credit report. With no such luck. Now I am reporting to consumer Financial protection in attempt to have them prove the debt with original documents or remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account does not belong to me nor do I have any acknowledgment of this account ever being opened. I was able to dispute it and get it removed from XXXX but cant seem to have it removed from Transunion. I will below take a screen shot of the dispute and removed account from 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