BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: WESBANCO BANK, INC.
State: KY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
OnXX/XX/XXXX I purchased an automatically renewing, $XXXX   CD for my minor child from XXXX XXXX of XXXX Ky. On XX/XX/XXXX when I presented this CD document to WesBanco Bank , a successor in ownership of XXXX XXXX (which had been purchased by XXXX XXXX) to cash it, WesBanco told me they would not honor it since it was "too old" and they don't have any record of it. They said they only are obligated to keep records for 7 yrs. despite the auto renewal clause present on the face of the CD. I checked with the KY State Treasurer to see if it had escheated to the state and it has not. I believe this bank has violated its fiduciary duty to me and my son and if banks are permitted to take customer's money without contacting them or giving any kind of accounting to anyone then no citizen's funds are safe! I plan to contact both of my US Senators XXXX XXXX  and XXXX XXXX for their help in this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I applied for this card at the XXXX store in XX/XX/2019 when purchasing my new laptop. With my purchase of the laptop I was also included in the back to school program and received a free pair of XXXX headphones. The retail price of XXXX XXXX XXXX with tax ) for the XXXX headphones were incorrectly applied to my Barclay financing amount. When I made my last and final payment to my credit card I noticed that my payments exceeded the price of my laptop. I have called Barclay at least 7 times and was hung up on 4 times. When I did get through I was transferred repeatedly to the same call center person. She was very obviously upset with me and her anger came through very clearly even as she answered the phone after " transferring '' me. This was before I even said hello and even then I was not angry. I'm left with no options to get this resolved. What am I supposed to do when I call and am hung up on and transferred in the hopes I give up. This whole situation wasn't something I did wrong. I was incorrectly charged and all I want is a refund of the correct amount and to move on.

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 2017-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Wells Fargo for possible home retention options in order to avoid foreclosure and remain in my home. After several attempts and even hiring an attorney, I feel defeated. My first submission was denied due to Wells Fargo stating they could not reduce my monthly payment, I think re-applied using my girlfriends income, which double my income at the time, they still would not provide me with options. Finally a 3rd attempt was made which reflected my most recent income, my rental income and proof of ability to pay and yet once again I was denied as they stated they " can not review the file due to the changes of circumstances being the same '' although that is not true, my income is different. I am not asking for a lowered payment, I am simply asking to start making my payments again. I explained my hardship, in 2010 my XXXX son was XXXX XXXX XXXX XXXX XXXX, additionally I then went through a divorce. These too major events impacted my life and was unexpected. I did not intentionally default on my mortgage but things happen and I am grateful to even have the opportunity to be considered for options but feel I have been treated misfairly and not being properly considered for all options to save my home.

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 2019-11-05
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has an account opened XX/XX/2017 with a balance of {$2500.00} and this is a fraudulent account. My identity was stolen, completely. Also, XXXX XXXX has an account opened for me on XX/XX/2017 with a balance of {$8500.00} and this is a fraudulent account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Last night, XX/XX/2020, Bluebird by American Express randomly permanently closed my bank account along with thousands of others. There is no way to contact them other than to write a letter and no one is getting a guarantee they will be given the money that was in their account. My account was closed for suspicious activity which violated their terms, same goes for the thousands of other accounts. The suspicious activity they are referring to is my UNEMPLOYMENT being deposited into my account. I can not log in, use my card, or even access the money in my account which is almost 3000 . I was given no warning. And I have no idea how to get my money back. Its the middle of the pandemic and I lost my job. If you call the company it will literally just say your account has been permanently closed, goodbye and hangs up. This needs to be fixed. Im going to lose everything if I dont get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: AMERICAN EXPRESS COMPANY
State: MA
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 balance transfer

Complaint:
I applied for an American Express XXXX XXXX XXXX credit card through XXXX on XX/XX/20 with the intent to transfer my balance from another credit card. The introductory offer was 15 months at 0 % APR and a 3 % balance transfer fee. I received my card today and called American Express to do the balance transfer, however, they rudely informed me that they no longer accept balance transfers for any of their cards. The associate on the phone assured me that they do not advertise balance transfers anywhere and I must have been mistaken when I saw this. She offered no resolution. I am extremely frustrated as this is the only reason I applied to open a new line of credit. 

I included a screenshot of the offer below. I double checked and there is no fine print that says they no longer accept balance transfers. This was misleading and false advertising. American Express mislead me into opening a new account under the impression that I could issue a balance transfer at a 3 % fee. They offered nothing to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
1. I have disputed the debt as invalid multiple times ( on phone and through letters ) but they refuse to acknowledge it and provide more details. 

2. However, they keep calling me and sending me letters in the mail multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Home Depot Master Card was hacked and info sold. 
XX/XX/2020 XXXX # XXXX XXXX XXXX, Ca. 
I went to home depot to buy a drill. I realized I forgot my card. I went to customer service and obtained a temp. Card. Customer service asked on which accnt did I need temp card for?? 

I then informed customer service I only had one account. At that time she told me that a person named XXXX XXXX OF XXXX, HAWAII. 
I DID NOT AUTHORIZE THIS ON MY ACCOUNT. I DO NOT KNOW THIS PERSON BETRAYED BY MASTERCARD AND HOME DEPOT APPROVING ACCOUNT WITHOUT MY PERMISSION. MY INFO SOLD. I IMMEDIATELY LOST TRUST AND CANCELLED MY 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 monetary relief
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have informed Experian that my report was inaccurate and they have not replied or took any steps on resolving this issue.

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 2020-11-30
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have a loan through " Figure MOHELA '' and I am attempting to refinance through " XXXX. '' On XX/XX/XXXX, the dispersement was sent from XXXX to MOHELA but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, XXXX states they resent the payment to MOHELA. XXXX states that this was not an XXXX error and MOHELA also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though MOHELA has still not received payment. I am still collecting the interest at the higher rate with MOHELA at 4.05 % compared to my new rate with XXXX at 3.96 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Mortgage Research Center, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA loan after prequalifing and was tentatively approved. I sold my previous home and had no debt and a credit score of XXXX and excellent loan to value. Veterans United kept asking for documents which were provided at least three times and could not get the facts straight. they kept sending diclosures indicating I had not sold my previous home and escrowing amounts above that allowed by law ( two months ). the day before the closing, they had not finally approved the loan and I decided that I had no choice but to pay cash which I had from sale of previous home. 

I then attempted to get a VA loan to take advantage of the rates and have my cash back from the sale of my home. I was denied a VA loan. 

I am 100 % XXXX Veteran. 

The actions of Veterans United is vindictive, incompetant, and criminal.

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 2020-05-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a trip through XXXX on XX/XX/XXXX for a vacation to XXXX XXXX leaving XX/XX/XXXX and returning XX/XX/XXXX. I paid XXXX for the trip with my Citibank credit card on XX/XX/XXXX. XXXX canceled the trip and say they refunded my money but I was never refunded. I issued a dispute with Citibank and they turned down my request for a refund of my money. See below from the XXXX  site under my itinerary. 


Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX XXXX XXXX Room Type : Run Of House Rooms All-Inclusive ( ROH ) Check In : Sat, XX/XX/XXXX, XXXX XXXX  Check Out : Thu, XX/XX/XXXX, XXXX XXXX   Rooms : 1 Nights : 5 Occupants : 2 Adults Promotion : Up to 65 % Off With XXXX XXXX  Guest Request : Celebrating 18th wedding anniversary. Something romantic upon check-in if possible. 
Note : Guest requests ( specific bedding, adjoining rooms, smoking preference, etc ) are delivered to lodging partners as a request only, and are not guaranteed as a part of your booking. Hint : If specific bedding is required, it should be included in the Room Name ( e.g. King Suite ). If you have questions, please call Guest Support at XXXX. 
Your Activity Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  Rate Plan : Adult ( Ages 11 & Up ) Quantity : 2 Status : Canceled Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX   Rate Plan : Per Person ( All Ages ) Quantity : 2 Status : Canceled Payment Details PromotionUp to 65 % Off With XXXX XXXX Nightly Average {$400.00} Taxes & Service Fees {$420.00} Total Amount Of Vacation : $ XXXX ( total amount charged ) Full Payment {$2400.00} Date : XX/XX/XXXX, XXXXPaid : Yes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADULT {$330.00} Date : XX/XX/XXXX, XXXXPaid : Yes Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX  XXXX {$81.00} Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$2400.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$330.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$81.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes

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 2020-09-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a conventional mortgage with Wells Fargo ( WF ) that was established XX/XX/2016. We purchased our home located in XXXX XXXX FL XXXX for XXXX. Since the purchase, we have completed approximately XXXX in significant renovations, some of which was financed through WF, with all hopes of dropping the PMI which averages XXXX a month. In XXXX, WF provided us with options of paying for an appraisal which cost XXXX ; however, it had to be performed by a company of their choice which is also approved by the investor. The first appraisal came back low at XXXX. I followed the WF dispute process which they then adjusted the appraisal amount to XXXX still shy of what we needed to remove the PMI. I feel that the appraisal process is very bias to be in favor of the lender/investor as these appraisers are contracted by said parties and am concerned about the oversight required under an institutions third party risk management framework. I am also concerned that while my appraisal amount was adjusted, it gives the appearance that these amounts are easily manipulated by the " approved '' appraisers. This is very unfair to the consumer. In addition, it is unclear why WF provided home improvement financing options if said products being financed ( XXXX retail private label credit card ) are not worth the value so I would also like this to be evaluated as well. It is very deceptive to provide consumers with financing of high dollar home improvements ( XXXX ) in upgraded windows ) only to find out it does not truly increase the value of the residential property. There are multiple online resources that indicate our home value is XXXX. Iam concerned again about the credit card lending/financing provided by WF as well as the bias mortgage appraisal process and appraisal dispute process that is conducted at WF.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2020-11-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 30 60 30 XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N XXXX N N N N N N N N Negative Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Deutsche Bank
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Deutsche Bank holds a XXXX XXXX line of credit on my house at XXXX XXXX XXXX XXXX, XXXX, PA. The loan number is XXXX. They claim that between XX/XX/XXXX and XX/XX/XXXX, I did not have insurance on my property. While I did, that is NOT the purpose of this complaint. The purpose of this complaint is that during the time that Deutsche Bank claims I did not have insurance, they took out an insurance policy on my house for {$40000.00} per year. The actual insurance policy on my house costs {$6100.00}, as evidenced by the enclosed statement from XXXX 's XXXX. XXXX goes on to say that when a lender provides insurance ( " forced insurance '' ), the price can range up to 2-3 times the typical commercial cost for insurance that a homeowner would pay. Here, Deutsche Bank procured insurance of {$40000.00}, which is n XXXX times the cost of my insurance. This higher insurance rate is excessive. Absent documentation that this is a bona fide insurance company, it is also fraud by Deutsche Bank. Assuming 2-3 times the rate I would pay, the Deutsche Bank insurance should have cost {$12000.00} to {$18000.00} on an annualized basis, not {$40000.00}. As such, the pro-rated premium for the month and a half that Deutsche said I lacked insurance should have been {$1500.00} to {$2300.00}, not the {$4700.00} that Deutsche Bank charged me. Therefore, Deutsche owes me {$2400.00} to {$3100.00} for insurance premium overcharges. In the case where Deutsche would have matched the XXXX rate ( a policy that Deutsche has accepted ), then Deutsche would actually owe me {$4700.00} minus the pro-prorated {$6100.00} for six weeks ( {$760.00} ), or {$3900.00}. Please see attachments : Deutsche 's letter to the last complaint I filed about overcharged insurance, and the note from XXXX XXXX about what a reasonable insurance premium would have been.

Company response to consumer: Closed with explanation