BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I purchased my town home in 2019 I paid the mortgage ahead a month for my own security.. In XXXX I maid more than half partial payment because I was ahead a month didn't think it would be an issue to just keep paying on my mortgage ... Wellsfargo took my partial payment put in a different account never told Me or applied my finds ... .I continue making scheduled full payments following my partial extra payment thinking everything was fine an I have a lil cushion if needed ... .I started receiving late payment notice in mail. I called they move my money I had no clue and they were not applying any of my payment saying that my extra payment was not added ... by the time I got this all figured out my security was gone an my mortgage went up an they made me pay additional XXXX to get them back on track when I was paid up w extra in bank NOT BEING APPLIED no one told me my money was moved no one told me I couldn't pay extra so for Me to.make an extra payment an it messes up my account is crazy to me I don't understand why no one would say anything I made all these payment in person at the bank an no one even.knew what I was complaining about when I came back to bank like they didn't even know about the account my money was moved to. Flash forward Corona hit and I had no cushion because of their negligence when we NEEDED IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I literally have no knowledge of this card. I never received anything in the mail. I never applied for it. They reported that I made two payments and then stopped but how can I make payments on something I never knew I had? It says I opened the account back in XXXX. I was applying for mortgages around that time and some of the companies ran my information outside of the ten day window so I really didnt notice the inquiry until the harassing phone calls started and now my credit being hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-10-06
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
M & T_Bank/Alerts, You are Required to reject an unknown charges of {$860.00} from XXXX Click XXXX : XXXX to reject now. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-04
Company: HomeTown Lenders, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We refinanced our from a construction loan to a conventional mortgage with HomeTown Lenders in XX/XX/, but were required to have an escrow holdback to complete work on the home that was weather-dependent. We completed this work in early XXXX when the weather and contractor 's schedules finally worked out. 

XXXX XXXX over servicing our mortgage and regular escrow accounts in XX/XX/ and are not involved with this issue as far as I know. 
XXXX XXXX XXXX Escrow specialist at Hometown Lenders , contacted us on XX/XX/XXXX. 
-We turned in certificate of completion for the escrow holdback on XX/XX/XXXX. 
XXXX XXXX XXXX request, we turned in paid-in-full invoice from contractor stating we do not owe him anything XX/XX/XXXX and the payout should be going to us. 
-The final inspection was taking too long so XXXX asked us for pictures showing completed paint and siding to release the check to us XX/XX/XXXX, I sent those promptly. 
XXXX said she requested funds to be sent and was going to have a check number for us on XX/XX/XXXX. 
-It appears that XXXX left the company XX/XX/XXXX and my file was dropped on XXXX XXXX XXXX desk, the VP of underwriting. 
-XXXX could not help me or get me an update on the status of our check all of XXXX, appears to have left the company as of XXXX XXXX as well. 
XXXX XX/XX/XXXX that inspector finally showed up to confirm the work was completed. 
XXXX XX/XX/XXXX XXXX emailed me the contact info of XXXX XXXX XXXX XXXX XXXX XXXX and CEO. 
-After no responses, I tried texting XXXX XXXX XXXX number on Thursday XX/XX/XXXX, he seemed responsive by asking for details but then radio silence since then. 
XXXX managed to contact XXXX XXXX XXXX Monday XX/XX/XXXX, who confirmed she is no longer employed by Hometown Lenders . She gave me the Chief Transaction Officer 's XXXX XXXX contact info. 
XXXX XXXX answered the phone, asked for some details to be sent to his email and said to contact him at the same time the next day ( XX/XX/XXXX ) XXXX XXXX or XXXX would answer the phone, text, or email yesterday XX/XX/XXXX All of the people I worked with to refinance my mortgage are no longer employed at the company and the management keeps referring me to each other. It appears to me that the lender is having serious issues and I would like my Escrow Holdback funds to be paid out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As Previously explained I have a charge off account for XXXX XXXX XXXX that doesnt belong to me for an amount of {$1000.00}. Another account Im being held responsible for due to identity theft!

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 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) but, I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes " inaccurate information '', which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2022-04-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I lost a full-time job due to covid. I called my mortgage company to asked if there was any type of assistance, they could help me with. They explained to me about a forbearance plan. They stated the number of missed payments while on forbearance would go to the back of the loan. At the end of the forbearance, I was still not back to work at my second full-time job. I asked if I could get an extension, they advised I would not be able to get an extension, but they could do a modification with an interest rate of 3.0 making mortgage payments drop to {$1400.00} from {$1700.00}, I agreed. All paperwork was sent out in XX/XX/XXXX and was signed and notarized. I made my first payment of {$1400.00} in XXXX. When I went online to make my XXXX payment, it did not allow me to do. I called PennyMac and they advised the first modification was no good due to system error with escrow payments. They advised I would have to have a 3.2 interest rate with a mortgage payment of {$1500.00} having to make the difference to the XXXX payment and XXXX payment right now. At this time, I did not have any extra money and was in a process of a divorce. I advised PennyMac I did not have any additional funds. They stated if I did not agree to this new modification, I had to pay nineteen missed forbearance payments NOW which was around {$33000.00}. They said the only other thing they could offer me was to skip XXXX, XXXX and XXXX payment with a higher mortgage. I had to agree, I had no additional funds at this time. The second paperwork came in the mail, but this time it had my spouses name on the form for him to sign and get notarized, my husband was no longer in the home and would not agree to signing the paperwork. My husband was not on the mortgage only the deed and title. I was told he did not have to acknowledge the modification, because he was not on mortgage. The first modification that came out in XX/XX/XXXX my husband 's name was not on it. I called PennyMac almost every day trying to figure out what I could do. They pretty told me nothing. They advised if my husband didn't sign the documentation my account would go into foreclosure. I was able to get spouse to sign name of the deed and title in exchange for no spousal support. At this time my new modification went from a 3.0 % interest rate to a 3.75 interest rate. The first time I agreed for the modification was what I could afford, I felt like this was a setup to have me lose my home. This is no fault of mine that the escrow payments were not taking out correctly, now I'm left with a higher mortgage and higher interest rate, this is a struggle to pay. I had to agree to the second modification, but no paperwork was signed or notarized, I'm trying to see if there's an assistance program with mortgage and if PennyMac can change the terms on the loan after the first modification paperwork was finalized and payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am entitled to a free report from TransUnion every 7 days per the new covid regulations put in place. I have tired to obtain my credit report from TransUnion through the free annual credit report website and have been denied several times. That is unfair. TransUnion needs to make my reports available to me electronically immediately. 
Thank you

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 2019-04-09
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$540.00} XXXX XXXX XXXX XXXX received a Fraud alert text message form Citi Fraud alert on XX/XX/2019 @ XXXX XXXX   regarding attempt of purchased for {$200.00} at XXXX. that how i know my credit card was compromised, I called citi fraud @ XXXX to report fraud. XX/XX/2019 I got a letter form citi security Operation that they try to contacted me by phone and email was unsuccessful, ( I have not received any phone call or email at all ). I have 10 days to call them back with additional information needed. 
I called Citi Security Operations XXXX on XX/XX/2019 talked to fraud investigator that handling my account, they need my time sheet and phone record to proof that i was not out of the country, I did email informations requested to XXXX. I called again on XX/XX/2019 to confirmed if they have received my email, I talked to the fraud investigator that handling my case her name is XXXX, " base on information I provide, they did not consider these transaction were fraud because I have the credit card in my procession the card was build in with security chip it can not be counterfeit " on the same day XXXX have requested more informations such as passport, I did email her all pages of my passport on XX/XX/2019 Now I am concerned my passport number is not safe, XXXX said she will talk to her superior but at this time she not consider this is FRAUD., I called back again and Letti was not there and they don't let me talk to a different investigator, XXXX called me back and said the decision is stand and the case is closed, I have to be liable for all the 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 2022-10-12
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
It has XXXX XXXX as an inquiry on my report but after calling both XXXX which I never applied with and Experian, Experian will not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}

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