BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello. I have a mortgage with Wells Fargo since XXXX. My husband died 4 month before the pandemic. Im the only one who pays the mortgage.

Did the paper work at Wells Fargo for refinance my mortgage so I can pay less mortgage and pay off my debts. At the beginning it was great, but before closing they staring to ask me for lots and lots of paper work and letters about my income. Then after a long 3 months of waiting, finally they told me that I can not do the mortgage because I dont make a lot of income. I felt very very discriminated and upset about this situation. I still pay my mortgage even Im a low income family. Is anything that I can do? 

Summer XXXX Refinance money amount XXXX Wells Fargo 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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX my Trustee over night a Negotiable instrument in the form of a check {$51000.00}, XXXX. CAPITAL ONE AUTO FINANCE, INC processed it and applied the payment to my account. They release the title a few days later and a refund of XXXX XXXX US dollars. I never received my title nor the refund. 30 days past and i followed up with them and they told me that my title was mailed and my refund was also mail but never received anything in the mail. I moved from XXXX XXXX to XXXX XXXX and forward the mail but still never receive anything. The account was closed showing PAID in full. on XX/XX/2023 I saw that they reopened the account stating that the routing number is invalid. It was a bill of exchange and they were sent instructions of how to process the instrument. They VIOLATED public law 73-10, TILA and FDCPA. They have sold my promise to pay and it is on the stock market trading, I was never made aware of this until my broker looked up my account number and found CUSIPS associated with my security that they sold. I did not receive any proceeds from this, My identity was sold without my knowledge and consent, I did open an identity theft case on this account with the IRS as well. Please audit and have them close this account, they are in several violations I since then sent a second instrument to them and they have not made any updates to my account and its been over 7 DAYS now. They have received a total of over XXXX plus now. They are stealing these funds and not applying it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a payee for a young lady from my church for her social security payments. We opened an account at the local bank and establishedeverything they asked for. After opening the account it was set up as direct deposit from social security. Everything was fine until we did not receive her XXXX check and it was of direct deposited. When we went to Social Security we found out that the bank closed the account without my knowledge of consent and transferred the money that was in the account to another account under another name. Can the bank do that and I was not there and close the account. Now we can not cash the XXXX check because the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father died seven months ago, and as his only heir I became the successor in interest to his home. The home had a mortgage of less than {$30000.00} at the time, and I immediately notified PNC Bank, the lien holder, and sought to be declared the successor in interest so I could pay off the mortgage and sell the home. After his death, the Title Company executed an Affidavit of Heirship, and I provided a successor in interest form to PNC Bank on at least three occasions. 

The home sold more than 20 days ago, and the proceeds are being held by the Title Company pending distribution on receiving a payoff amount. I have since contacted every single division of PNC, the Senior Counsel, and a random loan officer I found through a mutual acquaintance. Each has responded similarly to this statement : This inquiry will be forwarded to the appropriate parties at PNC. I am not the correct party to receive this request, and have no knowledge of the underlying legal concern XXXX XXXX XXXX Senior Counsel PNC Bank , National Association XXXX XXXX XXXX, XXXX XXXX Locator : XXXX XXXX XXXX, IL XXXX XXXX Phone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This account been on my report for reporting incorrect or inaccurate. It has caused me a lot troubles including job turn downs. I have been in contact with bureaus about this incorrect report. 
In accordance with the Fair credit reporting Act. Everything has to be 100 % accurate on my report. 
The credit bureaus stated my accounts was properly investigated but this is not possible if balance is not being reported correctly, no information of validation from debtor, wrong address on report it not deliverable. ( XX/XX/2022 ) balance updated is inaccurate ( XX/XX/2022 ). Account has been on report for 7 years. Has been report deliquent for 6 years or more. High balance of XXXX on TransUnion and {$170.00} on XXXX. XXXX o investigation was done. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States that I have the rights to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting can not furnish an account without my written instruction. 
Also the credit bureaus did not validate these debts and provide me with proper documentation requested that should have been provided in there investigation and placement of this account XXXX my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 # 51, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Diversified Adjustment Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
XX/XX/2020 {$20000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax deliberately keeps my inaccurate information on my profile. They will NOT make changes as requested. Even when other companies report, they will not update their system. This has caused me to lose rental possibilities and credit building opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan officer used high pressure sales techniques, at the end of our first phone conversation, stating he was on a recorded line, to collect a non refundable deposit. 
I reluctantly gave him my credit card information and he collected {$500.00} on XX/XX/2020. 
My loan officer made the projected refinance loan amount out for {$120000.00} which is approximately {$5000.00} more than what I currently owe on my existing loan. This was done so there would be no out of pocket expenses. My loan officer stated the cost of the loan could exceed that amount by two or three hundred dollars due to third party expenses. I now have a copy of the closing costs details to review posted on XX/XX/2020, and the loan amount is written up for {$120000.00} which is {$2000.00} more than the amount we agreed on. 
The loan officer offered me a lock down float interest rate of 2.25 % and I was told that if the market rate went lower I would get a lower rate. I was never offered a lower rate when the daily rate went down. 
The loan officer was angry with me when I reached out to theXX/XX/XXXXXXXX for advice and he told me to only communicate with him. I initially sent my loan officer a photocopy of my personal bank statements with the account number inked out. The loan officer stated that he had to have my bank account number which I later provided even though I was concerned about creating a security breach. 
The loan officer sent me an amortization of my projected loan refinance in which the APR for the loan was listed at 2.250 %.

In the loan Closing Disclosure that APR is listed 2.675 %. 
My present mortgage is a conventional loan. In all the information that I provided to the loan officer I never asked for a different type of loan. Without my knowledge the loan officer switched the projected loan offer to a veriable rate ARM. 
The loan officer was provided with information about my finances and it was made clear in our phone conversations that I was looking at refinancing to take advantage of interest rate savings. An ARM mortgage loan was never discussed nor was their any disclosure on that information prior to my receiving the Loan Terms Agreement and Closing Disclosure available on the internet for my review on XX/XX/2020. 
In my final conversation with my loan officer at the end of last year, he stated that if I didnt provide my electronic signature prices would probably go up. 
I have provided all the information that the company requested in a timely manner but when I contacted the Mortgage Sales Manager I got no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
CONSUMER REQUEST FOR INFORMATION & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX PRESIDENT/ CEODate:XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX  XXXX XXXX, and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account XXXX XXXX Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner of XXXX XXXX XXXX XXXX Corporation.

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 2023-02-18
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 is reporting late payments on two of my XXXX loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it 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 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 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 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 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 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 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my credit card in XXXX. I filed multiple disputes and they sided with the merchant. I have a credit on my account for {$160.00} and they still have not sent me a check or sent the money back to my checking account. They are trying to STEAL my money. Send me my money, Capital One. I shouldnt have to file a complaint to get it. Youre the worse credit card company out of all of them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a past due debt owed with XXXX XXXX XXXX  cellular services in the amount of {$1500.00}. I paid the debt in its entirety directly to XXXX in store. The manager at XXXX XXXX assured me that once the full amount of the debt was paid in full they would in turn contact the debt collector convergent outsourcing and advise them the debt was paid in full and instruct convergent outsourcing to remove the collection account from my XXXX and XXXX credit reoport. As of today both credit reporting agencies have refused to remove the collection account from my reports and when I called the collection company they advised I need to dispute with credit bureau. Neither company is willing to help 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 2023-02-22
Company: Westlake Services, LLC
State: CO
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, this creditor, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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