BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: National Credit Adjusters, LLC
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:
The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is National Credit Adjusters ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is XXXX XXXX Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
There has been several vendors all on either XXXX or XXXX that when purchasing a product that they charge much more on the tax that is from my state ( CT ) and when dealing with PayPal they do not give you back the overcharged amount. As they state it is part of the handling and service charges!?!? But when I deal with an individual vendor they always apologize and refund the overcharged amount! So I am not sure whos to blame either the foreign company or PayPal!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TX
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:
This is my XXXX XXXX to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CO XXXX Balance : {$2900.00} ; XXXX, XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has told me 3 times over the phone that they would reverse a late fee charged to my account back in XXXX. Last XXXX, I was hit with a {$64.00} late fee because my electronic payment from my bank was delayed XXXX day due to a holiday weekend. Nationstar applied the additional principal I pay on my mortgage each month to the late fee until it was paid in full. I told Nationstar it was not fair to charge me a late fee because the bank was closed on a holiday. They told me in XXXX it would be reversed ( This was my first late payment since the account was opened in XXXX of 2013. My payments were all auto payments from my bank from the beginning. ) and as of today they have done nothing to reverse the charge. They keep stringing me along whenever I call or e-mail about the fee reversal I was told would be done telling me that they are reviewing the issue and will give me an answer the next month and they do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Wells Fargo is operating in FRAUD against my ESTATE and TRUST claim ownership in my personal property never acquired with them however the mortgage note was fraudulently unlawfully sold to them by XXXX XXXX XXXX XXXX which I already 1099 A and 1099 C and hold copy B for also submitted my w4 process to the IRS, I have no business with WELLS FARGO BANK NA and if thus continues we can take this to the Supreme Court as a class action cause it's alot of XXXX XXXX ready to hop on board, this is fraud why the XXXX the CFPB DONT ADDRESS THAT and stop entertaining WELLS FARGO BANK NA foolishness! If they saying I owe them prove it where is the XXXX XXXX XXXX XXXX  documentation bearing my WET INK SIGNATURE prove your claim.

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 2022-10-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit 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 explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been ACTIVELY trying for XXXX years to have my mortgage loan that I have with Wells Fargo assumed XXXX I was told by Wells Fargo many times that my loan ( which was modified in 2015 ) is eligible for assumption. The person assuming the loan has lived maintain this home with me the entire time. My name is not being removed from the deed and my address is not changing. Still, when she called to start the process, as instructed, she was told that we have to pay XXXX penalty because FHA is viewing it as a sale. It is not a sale. This is a lateral move. We would like to be able to move forward with the assumption by XXXX XXXX XXXX without the XXXX fee.and just the normal processing fees.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Collection Account from XXXX XXXX XXXX. should not appear on my credit report as the account was paid in full directly to the original company XXXX XXXX XXXX. 

Payment made directly to XXXX XXXX XX/XX/XXXX in the amount of {$2700.00}. Please see enclosed bank statement, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming account.

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 2023-07-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to cash a {$2000.00} check from my father on XX/XX/XXXX for the down payment of a car. The bank where I attempted to deposit the check is Chase Bank in XXXX, Wisconsin, where I have had a checking account since XXXX. I was told the funds would not be available in my account until XX/XX/XXXX. Chase Bank is in violation of the Expedited Funds Availability Act ( EFAA ) as well as the Check Clearing for the 21st Century Act by withholding funds that are rightfully mine for XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fein Such & Crane filed Judgement and Complaints for my foreclosure failed to send required RPAPL FORMS after the Referee Sale which there is NO RECORD of it being printed in the newspaper. Alleges that they did not receive my disputes as to the balance of the balance due on the Mortgage. I have copies of the mailings showing that they did at their XXXX Office which is the address that was also on the legal documents. 
Dual Tracking occurred with XXXX XXXX XXXX XXXX and XXXX. Since they can only be considered to Dual track once per servicer it would be 4 times. They claim they were not made aware of any payments, yet they affirm the balance due as of XX/XX/XXXX and that is the same balance that is on the Judgement yet they admit their were modification payments. They claim it was the Servicers responsibility to notify them, and I never requested a payoff from them yet the letter they sent shows the payoff WITH A GOOD THROUGH DATE OF XX/XX/XXXX. Leading me to believe the sale was not held since the payoff is only good until it is sold. Their was no notifications of the sale date or postponements that even the Judge was unaware if the Sale occurred which was evident when he stated it was sold in XX/XX/XXXX and it wasn't then again in XXXX of XXXX Fein Such & Crane along with Judge XXXX ignored the LAW The 20 day, 30 day and 60 day requirements for the Order of Reference filing the Referee appointment the Referee hearing the Referee report were all years past the required date. They claim they only went by what the Servicer gave them and told them yet they AFFIRM TO ITS ACCURACY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint is about Capital One XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX. 

I have been waiting on a credit balance refund check since XXXX XX/XX/2023, and have not received it yet. It is now XXXX XX/XX/ 2023. My requests to transfer the funds electronically to my bank account have been rejected. My request to send the check to me via overnight service, and offering to pay for the service has been rejected. 

The details are as follows : On XXXX XX/XX/ 2023, {$10000.00} was transferred to my Capital One credit card, leaving me with a balance of {$9600.00} owed to me. The transfer came from XXXX. I called Capital One and was told the only way to remedy the situation was to call XXXX and ask them to reverse the funds. XXXX informed me that they would not do so, and my only recourse was to ask Capital One to send me the money. 

On XXXX XX/XX/2023, I called capital one to request the money. They said the only way to send it to me was by sending a physical check via USPS. When I asked to transfer the money to my account electronically, they said it was not possible. The customer representative stated, " It will take up to 10 days, and I have never seen it take that long ''. 

On XXXX XX/XX/2023, I had not received the check yet. I called Capital One and after verifying my mailing address, they said " it can take 10 business days ( even though it had already been 10 business days ). They again said they could not XXXX  or electronically transfer the money. '' The recommended I call back again. I asked to speak to the supervisor, who said she will look into it, and placed me on hold. The phone was disconnected after 1/2 hour. 

On XXXX XX/XX/ 2023, I called Capital One again. it has now been 17 business days ( and 25 calendar days ) since the money was taken out of my account ( XX/XX/XXXX ). The representative after " investigating '', told me that the check was cut on XX/XX/XXXX ( not XX/XX/XXXX, when the money was taken out of my account, as indicated on my statement ), and probably did not go out until XX/XX/XXXX, and it has been " ONLY '' 14 days, so they asked that I call back on Wednesday. She offered to call me herself on Wed XXXX of XXXX to see if the check is not there, and if not, they will put a stop payment and send me another check! Even at this time, they refused to put a stop payment on it immediately, and transfer the money to me electronically. 

According to the government webpage : https : //www.helpwithmybank.gov/help-topics/personal-auto-loans/personal-loans/loan-refund-credit-balance.html, the customer can " tell [ the credit company ] how they want the money to be transferred '', and the customer should get the money " within 7 days ''. The policies and practices of Capital One fall woefully short of this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: AmeriHome Mortgage Company, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I strongly believe Amerihome Mortgage company is committing mortgage fraud and misusing funds in numerous borrowers escrow accounts. This is the second time in XXXX years my mortgage has fluctuated because they misused funds and are holding me account for their mistake. I received a letter in XX/XX/2021 that I was behind in escrow. I called and the mortgage company assured me since its their mistake that they will correct it and I wont be held accountable. I attempted my payment and they never corrected the issue and expect me to pay for the misused funds. I am a XXXX veteran and I dont pay any property taxes and we switched our home insurance and it went down a significant amount so I am not understanding why there is a negative balance and no one can explain it. The customer service representative said we see this kind of thing all the time and if that is the case Amerihome needs examined closely to find why they cant handle funds properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My boyfriend and I had an international flight cancellation / disruption due to illness ( with a doctor 's note ) in early XX/XX/XXXX that qualified us for the trip protection insurance that is offered to all Chase Sapphire Reserve credit card customers. I have had about 4 follow-ups with the travel insurance company that provides the trip cancellation insurance over the same documentations that I had already provided. I had reached out 4-5 times to ensure they had enough information to process my claim. Each time I was told that someone would review the information the following day and get back to me. But I would never hear back until I had to reach out again. There had been consistent delays and lack of communication. I had followed up with Chase, but they had to transfer me to the same 3rd party insurance provider. The insurance provider kept asking me for the same documentations ( doctor 's note / statement, airline 's proof of no reimbursement / no credit issued, which I had already uploaded ). I also had repeatedly explained that the airline, XXXX XXXX, would not issue a bespoke statement to indicate that no credit was issued. XXXX had asked me to upload their fare policy, which shows that given my fare class ( low ), they don't offer any refund / credit even in a medical emergency. 

Chase should find a different travel insurance provider - this one clearly does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

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 2023-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overcharges on account from non-authorized transactions and never refunded

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 2023-02-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My name is XXXX XXXX I have been in arrears with my mortgage for 22 months. I have also been applying for a modification for 2 years. Nationstar Mortgage gave me such a run around after one year and a half they finally approved it. I was sent paperwork to sign and return. Problem is they added an additional {$76000.00} to my loan this they refer to as " New Money '' according to them this is charges, taxes, interest and fees problem is that I have been calling them for approximately 2 weeks requesting a complete break down of this " new money '' and I have not received it. Can someone please help me, please. I have to sign soon or I will loose modification and loose my home.

Company response to consumer: Closed with explanation