BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I have been facing financial hardships since my loss of employment in XXXX of XXXX and myself having mental health problems, which I was placed in a behavioral hospital for being unstable risk to myself. 

We have been in contact with the company since XXXX when we submitted a hardship packet. 
One of the representatives a month later, informed us that additional documents were needed. Promptly, on XX/XX/XXXX, we provided all the requested documents to support our case. However, despite submitting the necessary paperwork, we received no response from them for a considerable duration. This silence caused significant distress and XXXX for my family. 

During this difficult period, we attempted to refinance to alleviate some of our financial burdens, but our efforts were in vain. It came to our attention that in our consumer reports the mortgage company had affected our ability to secure refinancing. Upon investigating our consumer reports, we found discrepancies in the reported balance and realized that the forbearances were inaccurately reflecting past due for the times my wife and I contracted XXXX, with me even being hospitalized during the XXXX variant outbreak. 

In response to these discrepancies, I sent a certified letter requesting verification of the assumed outstanding amount. Yet again, no response was provided for a staggering 90 days, exacerbating our financial distress. Regrettably, the situation has now escalated to the point where we have received a property seizure notice from the sheriff 's office with a sale date of XX/XX/XXXX. 

This entire ordeal has been nothing short of a nightmare for us. We feel that our consumer rights have been blatantly violated, especially as an XXXX American couple. We firmly believe that the federal laws have been broken in the pursuit of seizing our home, leaving us in a state of profound despair. 

I implore you to urgently address this matter and provide a comprehensive explanation for the prolonged silence and lack of response on their part. 

Our family 's well-being and financial stability are at stake, and we hope that you understand the gravity of this situation. We request that you investigate the mishandling of our case, rectify the errors on our consumer reports, and cease any further actions against us until this matter is appropriately resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I cashed out my pension and went to my bank, Wells Fargo to deposit the funds. Shortly after, a total of {$75000.00} was wired out of my account. I did not initiate or authorize the transactions which were as follows : {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX I reported the issue to Wells Fargo as soon as I became aware on XX/XX/XXXX and they denied my claim of fraud on XX/XX/XXXX. 

In the course of my attempts to follow up with Wells Fargo I have been bounced from department to department, provided varying case/claim/reference/account numbers, and told on three occasions that no claim could be located and I had to file a new one, and given a different answer and time frame every time. 

My claim was denied on the grounds that the wires were requested through an online banking service using my username and password, and a one time passcode that was sent to my phone. 
I did not request the transfers nor did I ever receive a passcode. 
I contacted Wells Fargo on XX/XX/XXXX and requested the IP address for the device ( s ) used to request the transfers and the phone number the one time passcode was sent to. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in 1-10 days. 
As of today XX/XX/XXXX, I still have not received this information from Wells Fargo. 
I called again today to follow up and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process my request.

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 2019-02-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My two loans recently came out of forbearance. I made the first payment without incident and on time. The second month, I made the payments online using the same process, on XX/XX/XXXX. The payment cleared my account on the same date. 

As of today, XX/XX/XXXX, the payments are still showing as " Pending '' in the lender 's online portal. I've sent emails to the lender, who indicated they would " keep an eye on this ''. I then contacted the lender by telephone, who insisted that I needed to send them proof from my bank that the payment had cleared. 

Now I'm on the telephone, and I've been told by XXXX XXXX, the manager, that the technical team needs to look at this, and that it'll take until tomorrow. 

The payment will be late effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

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 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I was charged a late fee and it was not reversed. Bank of America charges a late fee when the consumer pays on the due date stated online. It then reverses the late fee. The actual posting of the payments varies depending on the day it is paid when there is a weekend. This is the only credit card I have that does this. It also does not always show the same due date online every month. I paid on the online due date but was again charged a late fee. The late fee of {$49.00} charged on XX/XX/2023 and XX/XX/2023 were not reversed.

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 2022-07-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo reps claimed to have addressed issue ( s ) pertaining to non-receipt of payment from their remediation department, payment for damages caused by unauthorized accounts opened by Wells Fargo reps under my name including checking and savings.. I can assure the CFPB Wells Fargo extent to addressing issues includes referring to check as cashed in my name, in which case, check was cashed fraudulently by someone using my name, not addressed by Wells Fargo reps ... Further, check in amount of {$5100.00} was sent to old address after I moved, in which case Wells Fargo reps have not addressed this fact as well. Also, address was not verified which is an error on end of Wells Fargo, not addressed prior.. Another issue not addressed includes IRS reporting of payment, in which case Wells Fargo reps refer matter to a tax professional whom in turn advised IRS reporting including 1099 form needs to be corrected to show no payment received or I will have to pay taxes on amount not received.. A second option would be for Wells Fargo to reissue check ... In closing, Wells Fargo reps opened another checking account as well as savings which was recently closed out, overdrawn in amount of {$190.00} which includes two external funds transfers in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}. The provisional credit was issued due to a debit card dispute in this amount, a purchase from XXXX which was not received, package lost/stolen. Further, the signature for package shipped via XXXX was forged, signed as " XXXX XXXX '' in which case I have never signed my name like this. Wells Fargo rep ( s ) refer me to account recovery to make payments in which case, there are not payments to make as I do not pay for item ( s ) not received. As stated before, account was opened by Wells Fargo reps, not myself, which is fraud and needs to credited amount of {$290.00}.

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 2023-06-20
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-07-13
Company: Experian Information Solutions Inc.
State: AR
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 submitted a complaint XXXX XXXX  ) on XXXX in regards to inaccurate or wrong personal information displaying on my credit report. Experian responded on XXXX stating they were in the process of removing and updating inaccurate employer information. As of today XXXX employer XXXX transportation, XXXX XXXX and outdated or inactive phone number XXXX still remains on my credit report after several requests to remove the information has been made both via mail and phone. Addresses XXXX XXXX XXXX and XXXX XXXX XXXX are addresses I've never resided while none of the creditors currenlty reporting on my credit report are attached to these addresses for any reason therefore they should not be reporting on my credit report. I don't understand why Experian continues to ignore my request and continue to report inaccurate information violating the Fair Credit Reporting Act.

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 2019-03-28
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I began this loan in XX/XX/XXXX with Kia Motors Finance- my car payment is {$460.00} monthly. I have always paid more than my car payment on every payment I overpay at least $ 400- {$1000.00} Yet..I have been unable to access my online account with them since late XX/XX/XXXX. This is the ONLY platform I can pay my car payment without a processing fee. 

Therefore I have to ALWAYS pay a processing fee even when I want to pay fee free online because they refuse to give me access to their online account. 

Additionally XX/XX/XXXX I was offered a deferment on payments with a 14 day window from XX/XX/XXXX ( even though they claimed to have emailed it on XX/XX/XXXX ) toXX/XX/XXXX return the paperwork which I NEVER received. 

My email address and mailbox at my home has never received anything from them for this extension whatsoever. They still however reneged on it saying it expired being I didnt return the forms ( that I never received ) in 14 days. 

When I asked today, XX/XX/XXXX, if I can apply the extra money I've paid over the years ( they put toward principal ) toward the current balance of {$930.00} I owe currently I was told they can not even speak to me or do anything with my account until I make one payment. Mind you my last payment was XX/XX/XXXX of {$200.00} and before that was $ 2,200+ in XX/XX/XXXX enough for 5 months. 

I am currently out more money than I owe to this firm but am being treated like a crook. I loathe every interaction with them as they take NO accountability for any of their errors and hold customers responsible for them and even charge them fees just out of being unable to correct or explain why you cant pay online. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home earlier this year with Caliber Home Loans. It was not a simple loan but Mr. XXXX affirmed with me that they were capable and confident of what was involved. Both loan officers, XXXX & XXXX XXXX were courteous throughout the loan process. In initial conversations with XXXX I was told not to worry about locking interest rates and this was his job to monitor the market and he affirmed he was good at his job. He quoted me an interest rate of 2.45 % - 2.85 % with loan fees totaling {$4100.00}. He said he would lock the rate in when appropriate and not to worry about costs increasing that the market was good. 

Given the market conditions Calibers business increased over this time and they had multiple loans being processed. The office seemed to be moving slowly in acquiring documents, increasing the time in the closing of our loan. Even after formal Approval the underwriter continued making additional requests increasing the length of escrow time. This became my problem when the lock-in rate which I had been led to believe was not a concern, elapsed. I was not told that this was to elapse but I saw later that it was written down - my loan officer failed to inform me. 

In the final week I received DocuSign loan documents which I did not sign when I saw the loan costs had increased to over {$12000.00}. This included {$4500.00} in estimated real estate taxes and property insurance. This was never discussed with me and I talked with XXXX saying this was NOT what XXXX had talked about and must be a mistake. He said he thought he had seen something irregular in the loan costs and not to concern myself with it. 

My initial closing costs jumped from {$4000.00} to {$12000.00} on XX/XX/XXXX and finished with {$15000.00} at closing and this no longer contained the original {$4500.00} in taxes and insurance- it was mainly fees. I again inquired about the previously mentioned increased fees, and XXXX said XXXX had said there was nothing to be done at this point and that Caliber was actually losing money on this refinance. Market interest rates seemed to be rising and I was not going to take a chance and go through this process again. 

I believe there was a lack of integrity, honesty and straight forwardness. We were charged much, much more than we were lead to believe and if Caliber had not been so busy with other loans, and had processed the loan within 60 days as discussed, we would have had an interest rate of not more than 2.65 % and much 1/2 in loan costs. 

In the end of all of this I should have only had to pay 50 % of what I actually paid. I am thoroughly not happy with the ending here. I believe they owe me {$7500.00} in which they overcharged me. I was planning on this extra money to pay off loans and why I originally sought to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: DISCOVER BANK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DISCOVER BANK HOME LOANS, ACCOUNT NUMBER XXXX DISCOVER HOME LOANS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ON XX/XX/2023, I called to find out my balance. I made an over the phone payment of {$24000.00}, to XXXX XXXX, from my XXXX XXXX  checking account, XXXX, bank transaction recorded XX/XX/2023, bank reference number XXXX. 

When I called the next day they told me that since that would have paid off my mortgage, they were rejecting the payment, and instead demanded " certified funds, '' even though that is the same checking account from which they withdrew, automatically, my monthly payments since loan origination. I was in a hurry to satisfy my loan, since my house was under contract for sale, and I wanted to escalate the closing process. I kept waiting for them to send my rejected payment back to my checking account, but no success. I took money from my Discover Savings account ( {$25000.00} ) and I went to my bank ( XXXX ) and immediately made a wire transfer of the stated amount due to close the account. 

I HAVE BEEN TRYING SINCE XX/XX/2023, TO GET MY " REJECTED PAYMENT '' RETURNED. I have spent hours on the phone and sent numerous emails, and keep getting a runaround. 

I WANT MY {$24000.00} RETUNED, BY WIRE TRANSFER, NOT BY CHECK, TO MY XXXX  CHECKING ACCOUNT. 

I WANT THE 5 % INTEREST THEY WERE CHARGING ME FOR MY LOAN ADDED FROM XX/XX/2023, PLUS {$2000.00} PUNITIVE DAMAGES. 

I AM AT MY WITS ' END. I AM A XXXX  YEAR OLD XXXX, AND THIS ENTIRE ORDEAL IS MORE THAN I CAN HANDLE. 

I HAVE SINCE MOVED OUT OF THE USA, SO I DO NOT WANT, AS I TOLKD THEM, A CHECK. WIRE TRANSFER ONLY! 

PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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