BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage with Wells Fargo Mortgage Company ( XXXX # XXXX ). I had opted forbearance due to COVID-19 XX/XX/XXXX- XX/XX/XXXX. I was approved for a payment deferral which let me pay the outstanding amount at the end of my loan term. XX/XX/XXXX, I called the Well Fargo Mortgage company to remove the PMI as my home value has gone up and PMI got removed. On XX/XX/XXXX when I requested to separate Escrow account the Customer representative initially said it can be removed and they will send a letter confirming that. 
But when I called them today, 2 different representatives are giving me 2 different stories saying 1. the Escrow can not be removed till I close my Mortgage or the term is completed. 2. They are considering the forbearance as a late/missed payment so I have to request after XXXX XXXX and XXXX. 

When I requested they send me this letter which was dated on XX/XX/XXXX : Short-term payment suspension impacts Escrow account : If you have one for this loan, you may experience a shortage if you miss payments. When this happens, well continue to pay your tax and insurance bills. ( If you dont have an escrow account, remember to pay your tax and insurance bills directly. ) If you miss payments, you may not be able to remove the escrow account. 

I was not informed that the forbearance was considered as a miss payment, infact I was told that forbearance WON'T be considered as a Miss/Late payment!

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 2023-04-27
Company: Experian Information Solutions Inc.
State: KY
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 had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and experian for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-09
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late 2022, our home mortgage was sold to a new company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/2022 I registered for a new account with RoundPoint and received a confirmation that my account was set up, and I was able to pay my mortgage online in XX/XX/2022. 

Starting in XX/XX/2022, the site no longer recognized my password. I attempted to reset it and have a password update link emailed to the email on file, but the reset links never arrived in my inbox. Since XX/XX/2022, I've emailed RoundPoint numerous times, asking for help in resetting my password so that I can access my account information. I never receive a personalized response. Each time, I receive an automated email response saying that they've reset my password and providing a new one, but each time I attempt to use the new password, it isn't valid. 

If you try to call RoundPoint 's customer service phone number, it's impossible to reach a human being to receive help. I've tried numerous times to navigate the automated touchtone phone menu, but each time I receive automated information. 

The only way I can pay my mortgage other than mailing a check, which I'm not comfortable with, is to use their pay-by-phone automated system, which is time-consuming and not customer-friendly. 

I would like to lodge a complaint against RoundPoint for shutting me out of my account and refusing to speak with me about my mortgage account access issues

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 2023-09-14
Company: Self Financial 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:
XXXX was my customer service representative and i was far from pleased. My issue is that i have had 2 negative reports made on my credit report from self lender. The initial negative report was my own fault. I had autopay set up and my account was delinquent so autopay was declined. I manually made a payment, but was late. After that, i now have another negative remark on my credit report due to another missed payment. Only this time, my bank account was in the positive, and could have ( should have ) been charged since i was enrolled in autopay. Or so i thought. XXXX let me know that self lender automatically took me off autopay, with no notification to myself. I asked her how i was supposed to know and she said i am supposed to check monthly to make sure my autopay is not turned off. I asked her to cite the policy that explains this and she could not. I let her know that i would be disputing this and she told me i am not able to dispute anything. I told her i have made disputes before and am knowledgeable on how to make a dispute and she reiterated that i am unable to dispute anything with credit that has already been reported. 

If autopay failed, my payment obligation should be suspended, under the Electronic Funds Transfer Act, and i should not be considered late. Therefore, my credit report should be updated to show this. 


I would like this resolved immediately. I would like to continue my autopay ( without it being canceled or shut off without my knowledge ), and would like my credit report to reflect on time payments aside from the initial ( and only ) late payment due to my own fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I applied for a personal loan through their website. I was approved after XXXX steps, and then I went to verify my bank account. Only after this step, it was revealed that there were points / Origination Fee that were not upfront. It was only until today, XX/XX/XXXX, that the Best Egg Loan Agreement and Promissory Note were sent over to me via email. 

This practice is deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters to Midland Funding seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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:
Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.

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 2022-01-03
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/2021 I filed a complaint against Specialized Loan Servicing, complaint number XXXX. 

They responded on XXXX XX/XX/2021. Their response was, that the account was paid in full on XX/XX/XXXX, XXXX and they were in the process of refunding {$100.00}, for the six days from the closing date of XX/XX/2021, to the payment in full on XX/XX/2021, and the late fee of {$71.00} will be refunded. 

First, I got a XXXX mortgage bill on XXXX XX/XX/2021. Second, as of date, I have NOT received my refund, and third, nothing has been reported to the credit bureau that my account is paid in full.

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 2023-07-03
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have previously submitted a complaint and spoke with numerous Wellsfargo employees trying to close an account that should have been closed a long time ago. I spoke with a WF employee in the complaints department after my last complaint who said I can go into a branch to close the account. I went into a wellsfargo branch on XX/XX/2023 to close the account. After waiting in line for 30 minutes the teller told me they couldn't help me and asked me to put my contact information on a sticky note and someone would call me. I left frustrated and immediately called the customer service department and told them what happened and that I want to close the account. The person was confused as to why the teller said they couldn't help me and said that they would be glad to help me with it. He read me all the closing procedures and I agreed to all of it. He said I would receive closing papers in the mail in three weeks or so. I waited and nothing came in the mail. I came home the other day to a statement in the mail dated XX/XX/2023 that is for the account. I was told this account was closed by the customer service agent on the phone. Judging by the statement it is still not closed and it has been two months since that phone call.

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 2021-12-29
Company: CITIBANK, N.A.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I disputed a charge with Citicard for {$1200.00} to a merchant XXXX I had purchased some bags and purses from their website and never received the products. I disputed the charge on XXXX XXXX after I tried multiple times to contact the seller with no success. The tracking number the website provided just said the item was left at doorstep but would not provide any additional information. I never heard back from Citicard and never thought anything of it. At some point they messaged me in their internal message system requesting me to reaffirm that I did not receive the package. I did not receive a letter, an email or a phone call requesting this and did not receive any notifications about the need for my additional signature or information needed. They denied my claim and when I realized that in XXXX I reopened it but they closed it again with no attempt to assist me. Again, they never contacted me about this and never provided proper notification of the disputes through formal channels with me and continue to be of no help. I never received my items and now They refuse to help me with the charge.

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 2022-06-15
Company: EQUIFAX, INC.
State: PA
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 following account have violated my rights. XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit 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:
I disputed the charges and they granted partial charges and I was told I would get back interest and all charges related to the charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my wife deposied a check for {$30.00} via USAA 's mobile app. The application accpeted the picture and deposied the check into our checking account. On XXXX XXXX, XXXX USAA took the {$30.00} back in the form of a " Return Deposit Item. '' Then on XXXX XXXX, XXXX the chearged us {$5.00} for the " Return Item Fee. '' On XX/XX/XXXX I called USAA and spoke to numberous people about this situation and eventually one of the people refunded the {$5.00} fee. I called back on XX/XX/XXXX and spoke to a " manager '' from USAA and she was able to find and acknoweldge that nothing was wrong with submitted picture of the check we sent in. 
Therefore, we did everything correctly and I asked for USAA to get us our money back. After many phone calls and escalations to some bogus " Executive Resolution Team '' we are still without our money. The manager I spoke with said the money would be sent to our account in a few days. I waited a few days and never got the deposit so I called back. This time, whoever answered the call said it takes up to 10 business days to receive the money. Ok, so we waited again. Today, XX/XX/XXXX, we still have not receieved the funds and called back. This time, they told me to mail in the check. 
I have told every single representitive that this whole issue and the reason I have been calling for weeks is because after we got the sucessful deposit message from the USAA Mobile App and after the funds were in the account we destoryed the check. We have no way of identifying who sent it and/or how to go about getting them to re-issue the check. 
This is USAA 's fault from beginning to the end. They have the full and proper image of the check within their system. THEY should do the necessary legwork and hunt down the information they need to return the funds they stole from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to report an issue with KeyBank, which has frozen all of my accounts, online banking, and credit and debit cards over a legitimate check that was posted on XX/XX/XXXX. My name is XXXX XXXX and I have been a loyal customer of KeyBank for many years. I am extremely frustrated by the situation I am currently facing. 

On XX/XX/XXXX, I deposited a check into my KeyBank account. The check was legitimate and was for a considerable amount of money from my insurance company. However, when I attempted to access my account online a few days later, I found that all of my accounts had been frozen. I was unable to use my credit or debit cards, and I could not even access my account to see what was going on. 

I immediately called KeyBank customer service to find out what was going on. After several transfers and long waits on hold, I was finally informed that my account had been frozen because of a security issue related to the check I deposited. The bank claimed that they needed to verify the legitimacy of the check before they could release any of my funds. 

I provided KeyBank with all of the necessary documentation to prove that the check was legitimate, However, despite my best efforts, my accounts remain frozen and I am unable to access my funds. 

This situation has caused me a great deal of stress and financial hardship. I rely on my KeyBank accounts to pay my bills and support my family, and I am now unable to do so. I feel that KeyBank 's actions are unfair and unjustified, and I am seeking your assistance in resolving this issue. 

I kindly request that you investigate this matter and take appropriate action to help me regain access to my accounts and funds. I would also appreciate it if you could ensure that KeyBank does not take similar actions against other customers in the future without proper cause. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation