BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with the Short Sale Lender for almost 6 months to try to close this short sale. The previous Buyer walked but I recently received an offer from another Buyer around the same time that the Servicer assigned a foreclosure date on the house. The Servicer is refusing to postpone the foreclosure date and will not review the short sale offer despite us sending over all the documents they need to review the file for a short sale. We also requested an updated value to be done to the house but the Servicer responded that they needed an offer first before an updated value could be ordered which was a difficult position they put me through because the property was marketed for a long time and could not get an offer at the amount that the Servicer set the value for. So this was like a catch-22 and when the Servicer assigned a foreclosure date for the house, we could not convince them to order a new value despite the fact that they knew that the property needed many repairs, and that it was on the market for months before a 2nd offer was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a wire transfer over on XX/XX/XXXX to XXXX XXXX to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but XXXX XXXX XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. 
Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( Wells Fargo ) deposited the money and then wire transferred the money directly to XXXX XXXX for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) wells fargo won't let me dispute a charge. Or let me have access to that account. Wells

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$33000.00}.

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 non-monetary relief
Consumer complaint received 2020-08-04
Company: ONLINE Information Services, Inc.
State: RI
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:
Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they  update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX and XXXX XXXX mail was stolen from the mailbox of XXXX XXXX XXXX in XXXX, MA. The mail included multiple personal checks that church members were sending in as offering donations. The total amount of checks stolen was around {$10000.00}. 

TD Bank accepted all of these checks for deposit at XXXX of their ATMs. These checks were deposited into an account that was not named on the checks. TD Bank made no effort to ensure that the individuals depositing the checks were the people the checks had been written to. They did not check ID or match the account to the checks. It is unbelievable to me that a bank would cash a check like this and that their internal controls are so poor. 

The crime by the thieves as well as the mismanagement by TD Bank was discovered in XXXX and reported to the police. The suspects have been identified. It is my understanding that there is a warrant is out for their arrest. 

TD Bank, however, has refused to return the money from the check that they allowed to be fraudulently cashed despite consistent attempts by my bank to contact them regarding this matter for almost a year now. 

Basically, TD Bank, through having no internal controls at all for check deposits at their ATMs, aided and abetted criminal fraud and refuses to compensate victims for the checks that they illegally allowed to be cashed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received

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 2021-05-12
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 received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2018-03-13
Company: Statebridge Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
fee that I have been charged for my XX/XX/2018 mortgage. I made my payment on XX/XX/2018 with XXXX. Please review this and reverse these charges. Loan # XXXX. Also, I was told that my escrow acct was under its scheduled budget, and that you had to adjust my paymentd to compensate for the shortage. Yet my property taxes were paid twice and you received a refund for that double payment. So I need to have my mortgage payment reinstated because the shortfall was refunded to Statebridge Co.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes XXXX, XXXX and Transunion

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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/2023 someone opened a capital one 360 savings account without my consent and a week prior to this incident someone tried to receive unemployment benefits in my name. 
I want to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract with Kane and Weiner. I do not know who they are but Ive asked them several times to send me some sort of documentation with the sign my signature on it they have not done so over the years its been the this is been on my report credit report for six years five months for {$150.00} and {$140.00} for four years six months now Ive never heard of this company before but Ive tried to dispute it Ive tried to write them letters. Ive tried to talk to them on the phone, and they tried to twist my words and trick me and I shouldve never called them in the first place because I dont understand the problem here, but they will not take it off my report and thats whats bothering me. Its the only thing on my credit report thats derogatory and it bothers me to know and and Ive tried many different times and Im sick of it. They have no right to do this to me. Its caused me much distress. I know that they have reported it XX/XX/XXXX and XXXX or cell right around that time of this year again so its it keeps being regularly reported after all this time all this time Ive tried to get rid of it it did not work, so anything you can do. Ive tried everything on my part and nothing has worked it on my credit report causing me issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was looking at my Equifax credit report. I noticed an account that is severely outdated past 7 years ' statute of date limitations on reporting. 

XXXX XXXX - Account # XXXX XXXX and XXXX are not reporting this outdated account from 2015. 

Please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased a Tv from the XXXX website and opted for the finance promotion offered on that website. I have been blocked from logging in online for several months and have not received a statement. The first I have heard from the lender is the delinquency warning which is attached. 

Online lenders should be required to offer acess to make payments online and should not prevent users from registering to view their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : 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 2023-11-06
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Loan was purchased following the bankruptcy of US Auto. The new company West Lake is not acknowledging the warranty, nor GAP coverage included in the loan. Thus, all payments for service to vehicle is now out of pocket cost.

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 2023-11-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was in good standing and had money in my account. My account was almost XXXX years old and was mostly in good standing most of the time my account was open. I even had direct deposit set up to it. One morning I logged in and found out my account had restrictions and after research and phone calls I found that it had been closed without my knowledge and to this day I was never explained why or even given my {$200.00} I still had in the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX  XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}

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 non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I am an authorized user on the attached XXXX XXXX credit card ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/2023, somebody hacked my Wayfair store account used my store card and made purchases that resulted in deliveries to Georgia and Florida addresses. I als made a police report in regards to these fraudulent charges. I called Wayfair store, notify them of the fraudulent charges and purchases as well as contacting Citi Wayfair card in XXXX disputing all the charges that showed up on my account I received notifications stating that they resolved and removed all the charges. However, I am somehow still trying to be collected upon to charges that were made on XX/XX/2023 one in the amount of XXXX and XXXX totaling {$510.00}. I called Citi back, notified them of the error in which they were supposed to continue their investigation into why it was not resolved and why it was still showing up. However, now I am receiving additional statements stating that my payments are behind for this amount as well as phone calls, stating that I have delinquent payments that are due, and from my understanding, I was not supposed to receive any additional bills, and that this was going to be taken care of. Now this is starting to not only impact my personal life. This is now starting to impact my 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 monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I submitted my police report to TransUnion detailing a fraudulent account from XXXX. The account number and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. TransUnion verified my name and social security number that has been breached and ignored my police report detailing the fraudulent account that I did not open.

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 2023-10-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Credit Report is showing an hard inquiry for XXXX XXXXXXXX XXXX on XX/XX/2023 that I didnt do.

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was provided a partial refund by the airline I flew with to go back to my original form of payment. After XXXX weeks the payment didnt post back on my credit card. I called to resolve this issue and they say they dont refund the money back unless the credit card holder calls. It has also taken me XXXX hours and multiple phone calls to try and get my money back. At this point in time the issue has still not been resolved and they can't give me a proper answer on why they withold a refund on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation