BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX : Wells Fargo Mortgage Loan # XXXX - Client : XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Loan Closing Date : XX/XX/2018 ; Loan Disbursement Date : XX/XX/18 Escrow # XXXX XXXX XXXX XXXX The purpose of this email is to request a refund of any and all fees, including interest, that we paid in connection with a mortgage loan that we found ourselves with that we did not want or ask for. 

We met with XXXX XXXX, XXXX # XXXX ( XXXX ) at Wells Fargo Bank to request a line of credit to cover landscaping and other miscellaneous charges for our newly purchased home, for which we had paid cash. XXXX XXXX kept talking about a mortgage loan and we kept insisting we only wanted a line of credit ; that we did not need the money and did not want a mortgage loan. We had recently paid cash for our new home. Somehow, we ended up signing documents for a mortgage loan in the amount of {$170000.00} and a home equity line of credit. 

We are not happy to admit that we did not fully understand these transactions until we started receiving bills for a mortgage payment. Not understanding why we were being billed, we had a neighbor look at our paperwork and she was able to review and explain the paperwork and discover that the money for the mortgage loan had been deposited to our savings account. Until that time, we did not aware that the {$170000.00} ( after fees ) had been put into our savings account. 

Upon learning we had a mortgage loan, we went into Wells Fargo and had a chance to speak to a XXXX XXXX and asked why they would have given us a mortgage loan and she agreed it didnt make sense to borrow money to put into a savings account. Why would we pay 4.5 % interest on a loan to deposit the funds into a savings account earning .06 %? At that time, our only option to get out of this mess was to pay the loan off. 

On XX/XX/2018, we went into a Wells Fargo branch and paid the loan off. At this point we still have the Home Equity Line of Credit and thats fine with us, as thats all we ever wanted to begin with. 

We feel like we were taken advantage of and sold a product that we clearly did not want, did not understand and that made no sense for us to have. Clearly, the loan XXXX who made both of these loans to us was not acting in our best interests. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Complaint submitted to CFPB on someone elses computer. Please reply to the email address of XXXX when responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am very stunt of how credit cards started theirs thief style stared charging their redicilous fees and XXXX off recking peoples credits and so on Problem 1- capital l one stop mailing statements without my request so in XX/XX/XXXX I requested and told their customer service over the phone that because I have been Haked twice and because of the headache and hassle I went through I decided I dont do on line banking ever again therefore I dont care how much credit cards like internet Ill do it my way and thats not to do on line banking case closed. 
Problem -2 I made a transfer over the phone I asked customer service about transfer fees she said the transfer will be treated as a purchase so their wont be any fees so I get my statement capital one charged me {$20.00} interest late fee and madd my account past due I call customer service and tell them that I never got statements I wasnt suppose to get charged regarding transfer they need to reverse all the fees then he told me I have to pay off the account in full then they will take all the fees back Well with everything they did I dont trust capital one because if I pay off the account then call for fees credit requests They will tell me something around the fees charged were ledgenamet

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-04
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Quicken Loans offer after the XXXX XXXX last year in Florida a break to help the customers that had damages and lost the tenants, the proposal from QL was not to make payments for 3 months and after that they will contact us and could be extended ; the offer was no late payments, no late fees and no damage on the credit report and the break on payments will not impact the mortgage amount, will be only freeze for the period need it and this months will be added to the mortgage period, all information was presented by phone no documents where received. For our surprise when we were ready to start payment we contact the company and they now send us a mortgage package for 40 years plus they add the interest ( around {$5000.00} increase ) that we haven't pay for those months to the principal and that was not what we agreed. 

Loan number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Remex, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
REMEX INC are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. REMEX INC are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by REMEX INC pursuant to 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ally Bank has been requested to close all accounts opened in my name without authorization. Several disputes for the unauthorized use of my information have been made and to this date the financial institution has refused to act appropriately. I continue to receive calls from representatives regarding new accounts being open and access remains for accounts that have been disputed. Unauthorized activity remains unaddressed and dispute for unauthorized/improper debit remain unresolved. 

XXXX XXXX continue to provide false statements contradicting recorded calls and obscuring resolution process.

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 2021-04-08
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:
XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, XX/XX/XXXX and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XXXX, XXXX, nor transunion consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.

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 2020-09-16
Company: AMERIS BANCORP
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: Account status incorrect

Complaint:
XX/XX/2020 my car loan with Ameris Bank was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called Ameris Bank multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I earned points through Chase Southwest affiliate card. I wanted to transfer some points to my wife so I started the transfer process of the points. They indicated the points would be XXXX for the XXXX points however I thought it was just the amount of value I was transferring and proceeded with the transaction. The value of the points are roughly XXXX so I assumed there is no way they would charge me XXXX to transfer XXXX worth of points as it is illogical and makes no sense. When I realized they did intend to charge me on XX/XX/XXXX I called both Chase and Southwest and again on XX/XX/XXXX. Chase issued a provisional credit ; however, they made it sound like there was nothing they can do and that it would probably stand. All I wanted SW to do was reverse the transaction as it was an error and they refused. The transferred points are still there. Southwest has zero flexibility in this regard and will not do the right thing for a customer and simply reverse the transaction which was made in error as a result of their deceptive fee for transferring points. All I am asking for is for the transaction to be reversed- it would cost them nothing. I believe their site is misleading and the fees totally deceptive and excessive as they mirror the value of the points. Why even offer the option to transfer? There are many similar complaints online regarding their lack of flexibility but this appears to be a basic theft of points. Chase is complicit as well as this is their marketing partner and they are acting as if they are not a party to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax will NOT unlock my credit. They keep telling me that there is a glitch that they are trying to fix. I have a potential new employer that is hiring me, however they need to pull credit for a financial fitness check. They can't do it because Equifax will not unlock my credit. I tried to unlock it myself using the Equifax lock & alert app. However it is not working. I have called Equifax several times in the course of four days and hours on the phone. Equifax REFUSES to unlock my credit. They keep telling me that they can't do it. I have every right to my credit report. My spouse and I are trying to purchase a new home as well, however my lender needs access to my credit report. Equifax still refuses to unlock my report. My only other option is to take LEGAL action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: National Credit Systems,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:
I am filing a complaint against the reporting agencies and national credit systems ( NATLCRSYS ). They reported on my credit that I owe {$1900.00} or {$1900.00} and I've asked for explanation, in writing, of why I owe this amount, with proof and summary. I haven't gotten any response with those details but they're putting it on my credit as collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by Midland Funding LLC/XXXX XXXX XXXX regarding a credit card account that was filed in Philadelphia Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX  XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the Philadelphia Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & Midland Funding LLC via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from XXXX XXXX and XXXX regarding in XXXX as referenced in Midlands letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to XXXX XXXX XXXX and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with Midland if XXXX XXXX XXXX does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call XXXX XXXX XXXX as I would like to establish an arrangement as soon as possible. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Venmo recently implemented an enhanced identification verification process that was no a requirement before. This resulted in them locking a few hundred dollars in my account and demanding either 1 ) personal identification information ( including last 4 digits of SSN ) ; or 2 ) my bank account details, if I wanted to be able to transfer this money to anyone else or to withdraw the money. 

Venmo is a shady company that I do not trust with my personal/banking information, and only reason I was using it was because they allowed me to have a usable balance for years ( by receiving money from others first ). Now Venmo allows me to add a debit card and continue making payments, but prevents me from using my available balance until I provide personal information. 

In essence, Venmo lied about not needing personal information, and is currently holding a few hundred dollars hostage and demanding I hand over my personal information, claiming its a PATRIOT ACT requirement despite that act not being anything new. This is ridiculous for a company to mislead a customer into using their product, and hold customers assets hostage while demanding personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello- This is relating to a mortgage that I have with Quicken Loan. My insurance company federated national dropped the ball on XX/XX/2020 because they were unable to inspect my property. On account of Covid, its a difficult situation to get the home inspected. They couldn't co-ordinate the date of inspection so federated national decided not to issue me an insurance. Upon receiving a letter from the Lender QL, i decided to shop for alternate insurance providers. Post which i was able to procure the new insurance starting XXXX of XX/XX/2020. Now both my prior insurance company XXXX XXXX and the new insurance company XXXX are not willing to cover for the gap days between XX/XX/XXXX and XX/XX/2020. 

The Lender has the provision to cover the gap from XX/XX/XXXX to XX/XX/2020. So I had a telephonic conversation with QL on XX/XX/2020 to take out the money for the gap days which is about {$79.00} and close on the insurance. Per QL they will send me 3 notices before they can use my escrow money to cover for gap days. Which amounts to about 60 plus days post which they will cover me for the gap days. This is a bit weird. They are sending me notices for the gap days, while I'm willing to pay the amount and get over with it. Per QL this is the process that they follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I logged in on my TD account on XX/XX/XXXX, because I was preparing to pay a bill. I noticed the funds are very low, and checked the history of the account. There was a checked made out in the amount of {$3100.00}. On the check, the name is wrong, the signature is wrong, and the funds was already drawn. I immediately called TD bank, after over an hour of wait, I finally get to speak with their fraud department, who informed me that the account needs to be closed, and there 'll be an investigation, with time window between 60 to 180 days. And the money may never come back. This is outrageous, since this is a clear case of fraud, and it's the bank 's fault that the fund were withdrawn. Please help to get this resolved as soon as possible, I rely on this account for bill payment.

Company response to consumer: Closed with monetary relief