BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 in an attempt to pay off my second mortgage with XXXX XXXX. I wire transferred {$450.00} through XXXX XXXX to XXXX XXXX 's specific account. XXXX XXXX 's account number indicated that Wells Fargo Bank was the Bank holding the account. XXXX XXXX listed Wells Fargo home mortgage as the beneficiary rather than XXXX XXXX. The money also was inadvertently sent to MD rather than XXXX XXXX. The money was delivered into the account as confirmed by the tracking number. XXXX XXXX never received the money. According to Wells Fargo, they obtained the wire transfer money from XXXX XXXX. On XX/XX/2018 I received notification that Wells Fargo was transferring my home loan to XXXX XXXX XXXX. Prior to the transfer I contacted Wells Fargo whom indicated that they would be transferring the wire transfer to XXXX XXXX XXXX. According to XXXX, they did not receive the payment wire transfer. XXXX confirmed that they opened an investigation regarding the wire transfer money from Wells Fargo. Wells Fargo allegedly opened an investigation regarding the wire transfer and then closed the investigation and my account. I have requested a payment history with Wells Fargo, whom as of today 's date has refused to produce any copies or indication as to how the {$450.00} was applied to my account. My loan is an ARM loan ( adjustable rate note ). Pursuant to my note, when and if I make an additional payment, " I will tell the Note Holder in writing that I am do so. I MAY NOT designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. '' Page 2 or 4 item 5 Borrowers Right to Prepay of Multistate Adjustable Rate Note. At no point in time did I authorize the payment of {$450.00} to Wells Fargo nor did I indicate in writing that I wanted the inadvertent payment to be applied to my principal as a prepayment. Upon transferring of my home loan XXXX committed the same error. On XX/XX/2018 I confirmed with XXXX   that they had finally received the {$450.00}. They opened an investigation. They NOW are also applying partial payments as " curtailment '' payments and violating the contractual adjustable rate note. I have filed a complaint with the FDIC and XXXX regarding the wire transfer. I have also sent Wells Fargo a letter, in which I have received contact from XXXX XXXX regarding the issue of the wire transfer and requested payment history. In the letter I requested a payment history. It is my belief that Wells Fargo has committed a fraudulent act with criminal intent to place my home loan into default leading to foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday, XXXX XXXX at XXXX I received a notification on my phone from my Chime app with an unauthorized charge of {$100.00} from XXXX XXXX XXXX. When I received this charge I was currently getting off the bus walking to my job. I waited for the purchase to process before attempting to disputed the transaction. When the charge of XXXX posted on my account on Wednesday XXXX XXXX I attempted to dispute the transaction on my own the only option was for them to cancel my card and send me a new one. I did not choose that option at first because Chime debit card is my primary card. I then called into chime on Wednesday XXXX XXXX to explain my there was an unauthorized charge place on my card and I would like to file a dispute. The representative explained to me he would be able to file the dispute but he would also have to cancel my current debit card. I explained to how Chime is currently my primary debit card. The representative assured me it would come quick and I will also have a temporary card I can use. I agreed and filed my claim and canceled my card. A few hour later I received a email stating I was declined for my credit for the {$100.00}. I called back into Chime customer service and spoke with someone else. They told me I could do a rebuttal for my claim and add any information to support my claim. I stated to them I was at work at the timing of the transaction. I do not have anything to sow for that purchase. They helped me put in another rebuttal and again within a hour I was denied again. I have provide Chime with a video and photo of my work schedule for the entire month of XXXX showing them I was clocked in at the timing of the purchase and they declined me. They keep telling me to do rebuttal 's I have filed about 5-6 rebuttal 's on this charge since XXXX XXXX and within a hour I receive an email telling me they will not change their decision on returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I did an International wire transfer of {$4000.00} USD through my chase bank account to an Individual name XXXX  XXXX XXXX, who resides at XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX and phone number is XXXX. XXXX has my {$4000.00} USD and refused to return it. He claims to be a business person selling cars and registered with the XXXX dealing with such activity and yet i have not received the car nor my money. I've tried to reach his business and no success. I contacted CHASE BANK to assist but no vain ACCT NUMBER XXXX TRANSIT NUMBER XXXX INSTITUTION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, 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:
I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.

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 2022-02-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan with American Education Services. They purchased my student loans at some point and I have been making payments through the XXXX XXXX XXXX Plan. 

I received a notice that I needed to renew the XXXX plan last year. I had actually already completed the process through XXXX so I was confused as to why it wasn't processed. I called AES and was advised that I needed to do a separate one with them. The person I spoke with said he could do it over the phone with me. I believe this was in XXXX. I completed the process and went through all the steps with him while we were on the phone. At that point, I was advised that I had submitted the request and my payments remained the same until I received a notice in XX/XX/2022 that my new payments would be XXXX 's the amount. I called AES to find out what happened and was told that I didn't renew the XXXX plan. The woman I spoke with advised that she saw that I did it over the phone with the processor, but it wasn't completed. She said we could do it over the phone that day, but I would still be responsible for the payment for XXXX. She was very eager to advise me to select forebarance for XXXX, but I remembered being coerced into this situation with another company who failed to tell me that if I elected forebearance my interest would be added to the principal. 

I completed the XXXX. 

On XXXX I received a letter from AES saying the following : Interest has been capitalized on the loans listed in the Loan Information section. This occurred because your forbearance, deferment, or grace period ended. 
WHAT THIS MEANS TO YOU Accrued and unpaid interest has been added to your principal balance. Your payment amount may have been adjusted to ensure your loans are paid off within the applicable timeframes. 

When I called AES and spoke with XXXX XXXX she said that it was strange, but when she looked into it she said that it was because I didn't renew the XXXX on time and if that happens then the interest would be added to the principal. 

Not only was I not advised of this at any point, but I did in fact renew on time and the person who assisted me with the XXXX application the first time failed to complete the process or tell me what steps I needed to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.

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 2021-12-03
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing without the assistance of any third party company. I am writing this complaint from my understanding of the Federal Law that is presented in my XXXX XXXX XXXX. I am the consumer, natural person who extended XXXX XXXX my credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature. In that moment, I created a financial asset pursuant to 12 CFR 360.6 ( 2 ) which is known as a negotiable instrument or promissory note. XXXX XXXX  sold said debt to MIDLAND CREDIT MANAGEMENT XXXX XXXX a third-party debt collector who is in violation pursuant to 16 CFR 433.1 which defines a consumer credit contract as well as the consumer, 16 CFR 433.2 which states NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER., and 16 CFR 433.3 which defines open-end consumer credit contract, open end credit and contract in reference to a consumer credit contract ; MIDLAND CREDIT MANAGEMENT XXXX XXXX is in violation pursuant to federal law. I am aware the pursuant to 12 CFR 226.2 the original negotiable instrument is a credit card account under open end consumer credit plan MIDLAND CREDIT MANAGEMENT XXXX XXXX has used harassment and abusive tactics in attempting to collect alleged debt filing a summons without the proper course of lawful actions, hiring an attorney ( XXXX XXXX XXXX XXXX XXXX who too is in violation pursuant to 15 U.S.C 1692e ( 3 ) false and misleading representations causing anxiety, headaches, less time tending to daily tasks etc and I am unsure of how to resolve these matters, please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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: Old information reappears or never goes away

Complaint:
Over the last two years, I have attempted to get Transunion to fix multiple errors on my credit report from personal information, outdated employment information, old/closed accounts, out of dated personal ( fraud ) statements, wrong phone numbers, and adverse account information. I contacted Transunion XX/XX/XXXX to fix these errors and was told the outdated fraud alert statement was removed and my report was correct, there may be a glitch or delay. I was unable to get online to see my report for sometime but thought nothing of it. 

After noticing the other bureaus fixed longtime errors, I checked Transunion on XX/XX/XXXX and noticed the same multiple issues with totally incorrect info so I submitted and dispute online for my personal info and incorrect account info/statuses. I got an email the NEXT morning stating my dispute results and account info was ready and could be viewed until XX/XX/XXXX. I called on XX/XX/XXXX to advised Transuinon there was no way the report was corrected so soon and my information was still incorrect. The outsourced rep claimed the investigation was still in progress. On XX/XX/XXXX, I get another email to view my report and on XX/XX/XXXX I looked and the report was untouched with nothing corrected or investigated. This is causing issues with my financial situations because Transunion or its reps are not properly disputing or removing incorrect information in 30 days. The company is not following the credit regulations. 

I am also unable to use the website fully and print my results since Ive alerted customer service about these concerns but nothing is being fixed.

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 2017-09-02
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage company is failing to apply funds submitted as " principal '' in an attempt to collect additional interest on the loan. 
Approximately 5 months ago ( XX/XX/XXXX/XX/XX/XXXX ) my mortgage with XXXX was sold to Nationstar/Mr. Cooper and I 've had nothing but issues with the company. I began making payments to NationStar/Mr. Cooper and immediately they were not applying funds as I indicated on their payment website. Instead of processing my loan payments as I indicated on their website with the monthly mortgage amount PLUS additional principal. They processed the funds without applying any additional money going to PRINCIPAL. Any additional amount I indicated as PRINCIPAL was held by the company as " UNAPPLIED FUNDS ''. On XX/XX/XXXX I spoke to a service representative and I explained that their company was changing the terms of my loan by not allowing me to make additional principal payments along with my monthly mortgage .It indicates on they website anyone could make additional principal payments just by adding the amount to my monthly mortgage. My previous mortgage holder " XXXX '' did this without issue. 
I was told if I wanted to make additional principal payments with my monthly mortgage I must call. The issue is they are intentionally making it difficult to pay off the mortgage with this practice, hoping that customers will just " give up '' attempting to payoff their mortgage early. Phone wait times, confusing and inaccurate explanations that do n't make sense is STANDARD. I do n't want any special treatment from my mortgage company. What I do want is to be able to go online to their ( Mr.Cooper ) website, make my monthly mortgage payment plus ANY additional PRINCIPAL or ESCROW payment I 'd like to add. Mr. Cooper Mortgage 's practice is stealing thousands of dollars from their customers /changing the terms of the loans and is intentionally making it difficult to payoff a mortgage early. This practice allows Mr. Cooper to receive additional interest payments over the life of the loan and should be stopped. 
Additionally, on XX/XX/XXXX I made another mortgage payment and I indicated ( on their website payment page ) I wanted an additional amount to be applied to principal.. On XX/XX/XXXX I visited their website and checked my payment summary. Again, they DID NOT apply the additional funds to principal as I indicated. I phoned Nationstar/Mr. Cooper on XX/XX/XXXX and spoke to their service rep " XXXX ''. She offered no plausible explanation however, she stated she would immediately correct the issue, and promptly send me an email confirming the corrective action taken. Today XX/XX/XXXX I again checked the summary of my account and the issue had NOT been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-12-17
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe I'm being XXXX XXXX  against. I applied for a cash out refinance with Better on XX/XX/2021 and again on XX/XX/XXXX, XXXX I felt the XX/XX/XXXX decision was a mistake. They had the best rate and fees at the time. All the other companies I applied to approved me but I felt their fees were excessive. 
Today I decided to look into refinancing again and Better had the best rate at 2.5. The reason they gave for denying me in XXXX XXXX my XXXX was to high. I looked up the requirements and it says their acceptable XXXX was 50 %. My XXXX is much lower as I pay all debts in full every month since the XXXX. 
Following are their stated requirements : " Minimum borrower requirements Better.com adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises ( GSEs ) XXXX XXXX and XXXX XXXX XXXX 

For conventional loans, key requirements include good credit ( typically a XXXX score of XXXX or higher ) and minimum down payment of XXXX percent. However, anything less than XXXX percent down will trigger the private mortgage insurance ( PMI ) requirement. 

Borrowers must also have a debt-to-income ratio ( DTI ) of no more than 50 percent. '' My FICO SCORE at the time and still is XXXX. The value of my property is $ XXXX, I was requesting a 30yr. Loan for {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief