BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: NC
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 contacted the Credit Bureaus on XXXX-XXXX-2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL,  social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.

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 2017-04-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank continues to submit payment after my account has no funds.Which than occures nsf fee charged to my account. I have attached documentation to support my claim.If you look at the simple mobile one was submitted on XX/XX/XXXX when funds were there.B ut bank did not pay until the XX/XX/XXXX when funds are not there.As I said this is continues practice of theirs. I am on a fixed income please help XX/XX/XXXX XXXX XXXX FL XX/XX/XXXX Debit card transaction ( ... XXXX ) - {$48.00} {$34.00} XXXX XXXX FL XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOMEONE OPENED MANY ACCOUNTS IN MY NAME, WHICH I HAD TO FILE BANKRUPTCY ON AND ITS INCCORECTLY REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Every month I have to file a dispute with XXXX and experian they do an investigation and then remove XXXX from my report. The next month it 's added back to it. I have sent information that this is n't mine and I have sent a letter of debt verification to XXXX asking for verification that its mine. They have yet to respond and its been at least 60 days. I 'm tired of it popping back up it drops my score over 100 pts every time it shows up.

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 2015-04-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WELLS FARGO BANK REPORTS THEY ARE SERVICER FOR XXXX XXXX XXXX BUT XXXX XXXX XXXX STATES WELLS FARGO IS N'T SERVICER NOR XXXX XXXX XXXX IS NOT LENDER / INVESTOR FOR MORTGAGE LOAN. WELLS FARGO BANK CONTACTS XXXX XXXX XXXX AND TELLS XXXX XXXX XXXX, A DEPARTMENT XXXX IN XXXX XXXX XXXX IS INVESTOR FOR MORTGAGE LOAN. XXXX XXXX XXXX XXXX REPORTS SHE NEVER HEARD OF XXXX IN XXXX XXXX XXXX AND DO NOT HAVE CONTACT NUMBER TO DEPARTMENT IN SAME CORPORATE BUILDING. WELLS FARGO BANK AS SERVICER REPORTS XXXX XXXX XXXX HAS NO CONTACT NUMBER OT INVESTOR WELLS FARGO BANK IS SERVICER. WELLS FARGO BANK REPORTS TO HAVE REMOVE DEED FROM MERS XXXX AND FOR TWO YEARS PLUS SENT DEED TO XXXX XXXX XXXX TO REVISE. WELLS FARGO BANK / XXXX XXXX XXXX REFUSED TO PROVIDE PROOF OF PROMISSARY BNOTE BUT TRYING TO FORECLOSED ON PROPERTY WITHOUT DOCUMENTATION OF PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
sent payment via XXXX ( sending copies ) XXXX over amount payment cleared XXXX on XX/XX/XXXX 
got e-mail XXXX/XXXX/2016 XXXX p.m. stating payment late. 
contacted cust. service. no help. re called asked for super. refused to help. 
they do this frequently XXXX reference XXXX pos 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 monetary relief
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've been having a very hard time with Navient. I filed XXXX complaints against them. I believe they feel nothing will be done so they continue to treat the consumers like garbage. I 've been trying my best to get things with them resolved with the loans I co-signed on. First of all, I 'm trying to figure out how they loan jumped from one cost to another. I understand late fees and all but to go from XXXX in loans to over XXXX ... Yeah I think something is wrong with that. Not to mention I have requested numerous time to get a copy of the promissory note for the loans. Also, they received the correct mailing address and phone number for the loan owner ... ..they never updated the information. Lastly, the people we have been speaking to, give us partial information ( if not down right false ), they are rude and in my case, they did not answer my questions on my own loans I have with them because of issues with the co-signed loans. I feel like something really needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I utilize the XXXX bill payment service to pay my mortgage with United Wholesale Mortgage. I schedule my payment to be made on the XX/XX/XXXX of the month. Payments are considered late if not received by the XX/XX/XXXX of the month per UWM. UWM keeps charging me a late fee for payments received after the XX/XX/XXXX. I question whether they are using the date they receive the check to credit my account. I suspect they use the date they process the check as the payment date. This breaks Reg Z requirements. I have asked for proof of when they actually received my check and they only send me a printout when the check was processed to the account. When I worked at a mutual fund company, all checks had to be time stamped when they were received so they were processed on the correct day. All in all this causes me a {$95.00} late fee each time it happens. Furthermore, XXXX debits my account on the XX/XX/XXXX when the payment is not credited until the XX/XX/XXXX by UWM. There are 5 days of float that my funds are held hostage??? Sure I can send payment earlier, but I ca n't understand how this is a fair business practice. I am looking for UWM to be held accountable. If then can prove the checks are being received after the due date, then I just have an issue with XXXX debiting funds earlier than the check clears. If they are unable to prove when the checks are being received, then I question all of my late fees and how UWM conducts business. Checks are sent to a PO box , so when the mail is delivered to the PO box , the check is received! Thanks, XXXX P.S. No sympathy from UWM or XXXX. Just the way the process works. I am calling them out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan originated with XXXX, it 's a VA loan. Never was I told that this loan, which is a fixed rate loan, could be arbitrarily changed to increase my payments. I agreed to {$1000.00} per month because that 's what I CAN AFFORD! I never agreed or was told that it could change at the hands and will of XXXX or Wells Fargo who bought the loan off XXXX. Wells Fargo has illegally changed the scope of my contract by increasing, mishandling payments and taking payments from my account that were not authorized. I am now paying $ XXXX per month despite having made extra payments on top of the automated payments over the past year. I got my mortgage in XXXX 2014, in the little over a year Wells Fargo has taken advantage of, increased payments and changed the loan agreement without my permission or knowledge. This was never something anyone told me they could do ... I have made several complaints and know demand the account be audited by an outside organization that caters to veterans. Am again fed up with this and feel even the CFPB does little to help. If this does not get sorted and my mortgage back to the original monthly amount I will file a complaint with Veterans Affairs, contact my Congressman and Senators until it is resolved to my satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Association Capital Resources, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX has continued to contact me illegally even though I have repeatedly asked that they not do so. They have also continued to send correspondence by mail. Today on a call they threatened to place a lien on my property and lobby the XXXX to attempt to foreclose. My original XXXX assessment was {$290.00} in XXXX. As of XXXX/XXXX/2016, XXXX Resources have added so many charges that my current bill is {$900.00}. It is absolutely unfathomable that a company can add over {$600.00} in collection cost in 6 months. The XXXX was not considered delinquent until XXXX. The American citizen is being fleeced by organizations such as this.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THESE ACCOUNTS DO NOT BELONG TO 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 explanation
Consumer complaint received 2017-03-29
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Rewards

Complaint:
On XX/XX/XXXX, I filed a claim to utilize the extended warranty benefit on my Citi Double Cash card. The claim was for an 4K HDTV that was not functioning in 4K. I submitted all of the required paperwork on XX/XX/XXXX and was told that a third party company would be used to verify the issue and determine a salvage value. I was not contacted by the third party service until XX/XX/XXXX ( 28 days after initial contact ) and asked for a few basic questions about the situation. After another 47 days ( on XX/XX/XXXX ), I contacted the Citi Benefits team and was told the third party company had submitted their report on the situation, even without coming out to verify the problem or seeking additional information from me. Today ( XX/XX/XXXX ), I received the notification that was my claim was denied, which is 96 days after my claim was initially filed. The reason given for denial cited that the " ( TV ) unit does not have the same compatibility rate '' as the 4K device. This is technically incorrect - the TV has twice the required rate for the 4K device, so there should be no compatibility issues due to that. I called Citi Benefits customer service to make them aware of this error and was informed that it was my responsibility to seek another vendor to verify the issue. After being told this, I asked to speak to the manager ( XXXX ) and was informed that he would request that the same third party service come and physically verify the issue. I have no confidence that there will be any resolution or follow up based on my previous experience with this group. 

Based on time duration, constant errors, and technical incompetence through this process, I believe Citi is intentionally trying to avoid honoring their extended warranty benefit. I also have no confidence that the customer service team supporting the Benefits department is advocating for the customer or trying to seek fair resolution on these issues in a timely fashion.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Utility company has sent a debt to collections that was not mine and I never lived at address to have services, Im positive if that was my information it was fraudulent obtained and used please remove those debts from my credit reports

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 2015-07-07
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dynamic Recovery Solutions LLC. used an automated dialer to call me on my cell phone several times without my express consent, in an attempt to collect a debt from a XXXX XXXX, violating the TCPA. On XX/XX/2015 I called Dynamic and asked to speak with their compliance department but the representatives kept asking me if I knew or if I could get a message to XXXX XXXX, repeatedly, over and over again, vilolating FDCPA 1692b ( 3 ). One representative passed me on to another representative who attempted to acquisit ( acquisition ) location information from me, more than once. 
On XX/XX/2015 I called Dynamic and the same thing happened all over again, violating 1692b ( 3 ). I finally talked with representative XXXX XXXX who said he would send my information over to their compliance department. 
Since my first call to them I told them I am XXXX and not XXXX XXXX. It has been impossible to speak to someone in the compliance department, when all I get are other debt collector representatives who continue to violate the FDCPA. Common sense, if my area code is not in the same area code, or State for that matter, the third-party debt collector should investigate a little better before attempting to collect from the consumer. See the XXXX v. Enhanced Recovery order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26
Company: Network Services, Inc
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Submitted a complaint with multiple concerns to XXXX XXXX. Ethical concerns were not addressed. Repeated requests to XXXX were forwarded to the company without response. XXXX suggested filing the complaint with CFPB

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
About a month ago, My wife and I submitted an offer for a XXXX-family home in XXXX, NY and was accepted by the seller. We contacted Wells Fargo for mortgage rate since they suggested that we could be qualified for their jumbo loan. Their jumbo rate offers competitive rate than other banks. Wells Fargo asked us for our personal information and run our credit for mortgage application pre-approval. Our application did n't run as smooth as we would expect, but the loan officer told us that we were not qualified for Jumbo rate. My wife and I decided to go back to XXXX, our primary bank, for a better rate. XXXX loaner office informed me that Wells Fargo had run XXXX credit check on me ( WITHIN A MONTH ) and it affects my credit score significantly. My middle credit score has dropped from XXXX to XXXX, which brought up the interest rate from 4.375 % to 4.625 %.

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: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Both of my checking accounts with suntrust bank are in the negative at bo fault of mine as I 've been transferring funds from my checking account to ensure this type of thing did n't therefore it is the fault of the back for this occurring. Not only that I had overdraft protection setup to ensure this would never happen. Therefore I believe the bank has placed my accounts in this situation and I will not stand for this. Besides which I was never advised of any over draft fees on my savings accounts nor have I been explained as to what these charges are for. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Columbia Collectors Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked to validate the debt. they sent documentation showing that the account was old. Im not sure of the account because I do not owe any attorneys any money, Definitely do not owe {$2000.00}! I would remember that. 

Now columbia collectors illegally reaged the debt to 2014 and negatively impacted my financial decisions. I never made a payment plan or discussed any payment options over the phone. I only asked for validation over the phone. The debt is unrecognizable to me and I believe to be error. nevertheless they reaged the debt, and its on my XXXX and XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Amex debit {$52.00} dollars on my account on XX/XX/XXXX for the XXXX. But the XXXX contacted me that they never got the money so I Called amex and they keep running me around with total nonsense. 
I did everything in myside and they deliberately try to defraud me by not either paying XXXX or refund back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Please find attached a letters of dispute to XXXX that I also submitted to XXXX and XXXX about an account that I disputed under the Debt Verification Rule to produce the original documentation, fees or any sale or transfer of debt to Barclay 's Bank Delaware, a negative debt owed of {$2800.00}. Date opened XX/XX/XXXX. XXXX, XXXX and XXXX stated that Barclay 's Bank Delaware produced proof of documentation in which I did n't receive and refused to remove this account. Even worse, because I did dispute the account, they have now updated my negative reporting to reflect a new starting date of XX/XX/XXXX when in 2 years nothing was being reported by these XXXX reporting agencies or Barclay 's Bank Delaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
My sears account is closed, however a 30-day late payment is reporting on all of the XXXX credit bureaus. I have always paid this account on time. I have tried disputing this account with the credit bureaus each time it comes back verified and i have not received and proof that I was 30 days late. I even contacted sears and they gave me the run around. I contacted the XXXX and they gave me a XXXX number to call in reference to my account because the representative said she could only view six months back. When i contacted the XXXX number the guy stated that he could not help me and transferred me back to the XXXX. The next representative place me on holding stating that she would look unto it, but instead of coming back on the phone she transfer me to sears online. I am disappointed in sears company no one seems to know anything. If sears or the credit bureaus can not show me verifiable proof that i was 30 days late, then I demand you delete this inaccurate claim from all XXXX credit bureaus.

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 2017-04-04
Company: ZIONS BANCORPORATION
State: CO
Product: Credit card
Issue: Rewards

Complaint:
In XX/XX/2016, XXXX had an offer for a new business credit card, the XXXX. The bank solicited me to apply for this card to replace an existing card I had with them. Part of the promotion was I would receive a {$250.00} cash back bonus if I spent {$2500.00} within the first 90 days of the issuance of the card. I did that. No bonus has been paid despite numerous attempts at contacting bank personnel. 

Today, I did receive and email denying that I was entitled to this payment based on a clause in the offer. The denial is in error. I NEVER receive any prior bonus on any Vectra account and believe that the bank personnel intentionally misled me when I applied for this card. I was never told this only applied to new accounts as the bank representative encouraged me to replace my existing card with them, i.e. she knew I had an existing credit card. She insisted I would receive the cash back if I followed the offer specifications. Clearly this was fraudulent behavior on the part of the bank staff.

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
Consumer complaint received 2022-04-19
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:
XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 Section 604 ( a ) ( 2 )

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