BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This Debit Collection Agency called Enhanced Recovery is XXXX Around with My Credit Report, Ever Since XXXX From When They First Called Me Back Then. I Informed Them That the Account Was a XXXX Account Witch the Original Company XXXX XXXX XXXX Knew About the Account Being XXXX. The Person at The Collection Agency Had an Attitude Trying to Be Smart and Tell Me I 'm Going to Pay for The Account Regrade less it 's fraud Account or not. I Told Him I was not Going to Pay for a XXXX Account that was n't mine he Hung up The Phone. Ever Since Me and Him Got into It Over the Phone, at The Beginning of the year ever Since Me and Him Got into It. The Collection Agency Sneak and Put the Account Back on My Credit Reports After the Fact It Been Removed in a result of it being a fraud account, Where I Have to Dispute It Every Year, Last Year They Were Trying to Be Sneaky and Put the Account on Their Twice Not Thanking I Would Catch It. Just Today I Checked My Report and The Account was Back on Their, Where Had to Dispute the Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My issues with Citizens Bank are numerous. ( 1 ) The bank failed to close on a timely basis despite having 29 days of lead time and confirming both orally and in writing that they would be able to meet the closing deadline. ( 2 ) The bank refused to pay the costs incurred for failing to meet the closing deadline. ( 3 ) The bank failed to live up to its offer to reduce the interest rate by 1/8 % if I opened a XXXX Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2017, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX in XXXX, CT with a friend. Both he and I have accounts with the bank in that branch. My friend was going to deposit a payroll check made payable to his father, who also has accounts at Wells. The check was legally endorsed " Pay to the order of XXXX XXXX '' and signed by the payee XXXX XXXX. XXXX signed the check under his signature and tried to deposit it in his account. The bank flatly refused to accept the item for deposit saying the payee of the check HAD to be physically present. 
It is my understanding, and I was also told by a Wells Fargo Customer Service phone rep that once endorsed over to XXXX, he could legally deposit the item in his account. 
The manager and branch personnel were adamant that " there is nothing we can do. '' Aside from the rude manner in which we were treated, the manager and branch personnel inferred ( and all but came out and said ) the item was a bogus item and we were trying to somehow scam the bank. Based on Wells Fargo 's HISTORY of scamming the public with falsely opened accounts, fees, employee quota systems, etc. I found this reprehensible. 
My question is : Can the bank refuse to honor an item that is properly and legally endorsed over to a third party, and an item by it 's endorsement, that he legally has the right to? What are my options with regard to taking any action against the bank or branch personnel. I was unable to obtain the names of the personnel involved as they stated when asked " we do n't give out last names or other staff information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Wells Fargo, Checking account and savings. Wells Fargo is engaged in illegal business practices of my account. Yes I have been overdrawn a bit. I am a XXXX veteran, I have direct deposit. On XX/XX/XXXX. I deposited XXXX in my account. A Ga. Lottery check. I told the teller to take the money out for the overdrawn amount. He did n't. Instead he gave me XXXX And said he was going to deposit XXXX And on the next day I can come and get the other XXXX. He did n't tell me anything about the hold until after I had deposited the money into my account. I got the XXXX out the next day but they charge me the XXXX plus the overdraft fee. I need my money. They put a 10 day hold on a Ga. Lottery check. They do n't always put hold on certain customers checks. I have been having problems with them every since I been with them. It does n't take 10 days to verify a state check. I have deposited one before and they did n't put a hold on it. And I was overdrawn at that time. I ca n't pay what I needs to pay and get me some food. They have made it to where I do n't have no choice but to get my money out what ever they allow me to have for my personal use. Which have created more overdraft fees. I tried to resolve this matter several times with them to no avail.

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 2022-10-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm " XXXX XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records is settled. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$44.00}

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 2020-01-19
Company: EQUIFAX, INC.
State: NV
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:
these removal are still showing on all three credit bureaus ... .these removals should be updated imediatley

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ERC
State: FL
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:
This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Everbank failed to contact me when I had an existing military fraud alert on my personal information. They opened a bank account with my personal information under different contact information. I am trying to close this fraudulent bank account. 

I only found out about it through my own ID protection subscription service notification. I only opened this service after the OPM data breach that happened a few years ago and there were concerns of this information being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
Recently returned from service overseas and applied for a Chase credit card. Was told that I was not approved because I had XXXX credit card applications within 2 years ( I did n't have a credit card until I joined the XXXX 3 years ago ). If they have a rule, their application should clearly state that there is a rule before I applied for their card and had an inquiry and denial on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to 4 individuals (? ) through XXXX & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.

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 2015-07-23
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Balance transfer

Complaint:
Chase Credit Card : Below are the XXXX amounts outstanding on my Chase Credit Cards. The credit card ending in XXXX has had a 0 % interest rate offer on balance transfers for a year. I 've contacted Chase numerous times this month requesting to combine both credit card balances, ( each with interest rates of 15 % + ) on to the 0 % offer, speaking to Supervisor after Supervisor ; however, each occasion they would not allow me to transfer within the company. Stated " it 's against policy. '' I came to the solution of contacting the White House, because this policy is not fair. 
CREDIT CARD ( ... XXXX ) Account Summary Current balance {$7900.00} CREDIT CARD ( ... XXXX ) Account Summary Balance last statement {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: EQUIFAX, 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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Paypal has failed to send payment to settle Federal Civil claim, Paypal still continues to placed unauthorized holds on the account, most recent limitation placed the account placed on the account on XXXX/XXXX/2016, was from an Transaction that occurred on XXXX/XXXX/2016. Paypal has also failed to dispute an Transaction in the amount of XXXX, Paypal still operates as an Bank without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: WV
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:
Payment safeguard fee applied to our citi credit card account WITHOUT authorization and company is unwilling to refund charges.

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 2017-02-07
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Receivables Performance # XXXX ( XXXX, XXXX, WA XXXX ( XXXX ) was paid in full {$340.00} re : orig creditor, XXXX, XXXX and it states they were paid in full on my XX/XX/XXXX credit report. I have called them : NO RESPONSE. Why do n't they remove this " Adverse Accounts '' info when I fully paid them years ago?

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 2015-11-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have had my wallet stolen from me a few years ago an I found a lot of credit inquiry an accounts that are not mine .an it 's very difficult for me to acquire credit.pleas have all the credit inquiry information removed .thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting judgement that I have been disputing for several months and still on my reports I do n't get any response from Equifax I need help judgement not mine and I do n't know how anyone can report something on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a business loan through a bank and they pulled my business credit report Business name is XXXX XXXX XXXX XXXX XXXX # XXXX there is something listed which is unknown to me, I believe placed in error on my business credit file. It also appears to be outdated and past the statute. I need help. I tried to call Equifax and can not get anyone one on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I spoke with XXXX at Equifax of the XXXX team ( supervisor ). 

Investigate was submitted on XXXX XXXX for XXXX XXXX XXXX. Equifax claims it was completed on XXXX XXXX, 2016 however when I checked online the investigation still states case is still under investigation online. This is past the 30 day mark and the Creditor should be remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have two hard pull inquiries for XXXX XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have disputed it 3 different times with Equifax and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. These inquiries are bringing down my credit score and are n't fair to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was young and in the military when I was taken advantage of when buying a car. Navy Federal Credit Union gave me a loan that was more than the car was worth. The dealership and the banking institution was working together to get over on me. Now when I try to get rid of the car, the banking institution wont let me they said it will have to be a voluntary repossession. So now my credit is shot and I 'm struggling to get my credit right and having a hard time with a car that have should of been paid off. I been asking the bank to work with me because I had to put monies into the car to repair the engine and electrical work done. I even asked about the civil service act but they said I 'm not qualified. I feel as though I have been worked over by the banking institution and the dealership. My interest rate has n't went down since I first brought the car and it was at 15.69 % and I feel that is way to high.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Recently we were denied a loan modification but approved for a repayment plan. We were behind around {$6500.00} approximately. We offered {$5000.00} in the form of cash/cashiers check and were asking to work out the remainining balance in the form of a payment plan but we were turned down. Wells Fargo came up with a repayment plan in the sum of {$13000.00} making the monthly payment {$2200.00} for 6 months. We were waiting for paperwork to come in the mail to decide whether we wanted to accept the offer or not. Never received it. XXXX XXXX contacted us in XXXX because they did n't received said payment in XXXX. We let them know we had n't received documentation. They agreed to resend it. They took a payment over the phone during that phone conversation before we had signed anything and returned it to them. We called the end of XXXX to schedule an automatic payment for XXXX XXXX, XXXX. It was understood they were taking the payment on that day. We got a confirmation number and everything. They never too ok the payment. Almost 2 weeks later we called to see why it had n't been withdrawn from our account and we 're informed that they had terminated repayment plan because payment was n't received before the end of XXXX. We questioned why we were n't informed of that the day we made the automatic payment arrangement and we 're given no explanation. We were told XXXX XXXX, our home preservation specialist would contact us with in 24 hours. Never were contacted by her or anyone for that matter. Received paperwork that foreclosure process had begun. Suggestions from Wells Fargo were short sale or deed in lieu. We desire to keep our home but feel they did n't want to work with us in the first place. Denied loan modification because it was " too soon '' because we had had one 2 years prior. Sent them a payment in XXXX which was sent back to us stating they could accept nothing less than everything were behind which was around {$1200.00}, I believe. Constantly sending people out to check to see if we are residing in the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I Sent a dispute letter to equifax detailing that they are reporting a mortge account late... first date of delinquency is being reported as XXXX XXXX..but on the payments time line see attached..it shows 90 days late XX/XX/2018 and 120 days late in XX/XX/2018 ... so how is the first date of delinquency be in XX/XX/2018... I Have the right for my credit report to be accuate ... im requesting to up date to paid on time never late... XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. Midland ignored my letter even though I had it tracked and know they received it in XXXX 2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last 6 years I have been paying this loan on time and have never had a payment go past 30 days, however, if I have a payment that is 5 days or more late, they begin to call my personal phone, both of my parents phones, and have even reached out to my brother. The calls are repetitive, invasive, and cause a lot of stress, even after I 've expresses this to the company. As of right now, I am am moving and finishing up a 2 year custody battle here in the city of XXXX, and I have a payment I just scheduled but was 23 days late as of today. In those 23 days, I 've had over XXXX documented phone calls / voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Nissan Motor Acceptance Corporation was informed via certified mail on XXXX/XXXX/15 that our contact information was at our home address, telephone number and email. NMAC has harassed our parents, which was not authorized as a contact point. NMAC has been instructed no contact at our place of employment and to stop contacting our parents. NMAC continues to contact our parents. We are asking CFPB to enforce the no contact to our parents about our business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation